What Restaurant Working Capital Actually Pays For
- Payroll bridge during slow weeks
- Pre-season inventory buildup
- Marketing campaigns and grand openings
- Vendor early-pay discounts (3-5% off invoices)
- Equipment repairs and unexpected breakage
- Hurricane/storm recovery and preparation
- Acquisitions of competitor concepts
- Build-out completion overruns
- Bridge between A/R collection and A/P obligations
How Funding Amounts Are Sized
- $20K-$50K monthly revenue → $25K-$150K
- $50K-$200K monthly → $150K-$500K
- $200K-$1M monthly → $500K-$2M
- $1M+ monthly → $2M-$5M+
Working Capital vs MCA vs Term Loan
| Product | Repayment | Term | Best For |
|---|---|---|---|
| Working capital | Daily/weekly/monthly fixed | 3-18 months | Mixed uses, predictable budget |
| MCA | POS percentage holdback | 3-12 months | Bad credit, new restaurants |
| Term loan | Monthly fixed | 1-5 years | Larger amounts, longer payback |
Application — 5 Minutes Online
- Submit application with restaurant details
- Upload 3 months of business bank statements
- Soft credit pull (zero impact)
- Same-day decision
- Sign electronically
- Funded via ACH within 4-24 hours