Restaurant Business Funding

By Anthony Collin, CEO, Smart Business Funding | Updated October 7, 2026

Food, payroll and rent do not wait for a slow week. Smart Business Funding gives restaurants working capital in as little as 24 to 48 hours, so you can stock the walk-in, fix the line and keep the doors open. Learn how a merchant cash advance works, with fixed daily or weekly payments and a total payback you know up front.

Apply Now Estimate Your Payment

Up to $5MFunding from $10,000

1 to 5 hoursUsual time to an offer

24 to 48 hoursTypical time to funding

Soft pull onlyNo impact on your credit score

How restaurants use working capital

Margins are thin and costs hit before sales do. These are the most common reasons restaurant owners use funding.

Inventory and food costs

Stock up for a busy season, a catering order or a menu change without draining your account.

Kitchen equipment repairs

Replace a failed freezer, oven or hood fast. For larger purchases, see equipment financing.

Payroll and staffing

Hire and train ahead of the rush, and cover payroll through slow weeks.

Remodels and expansion

Refresh the dining room, add a patio or open a second location.

Marketing and delivery

Fund promotions, online ordering and delivery setup that bring in more orders.

Slow-season cash

Cover rent and utilities through off-peak months and unexpected closures.

How funding works for restaurant owners

Apply online

Fill out one short application. It takes about two minutes and uses a soft credit pull only.

Review your offer

On a complete file, offers usually come back in 1 to 5 hours. We show the amount, factor rate, fees and payment up front.

Get funded

From application to funding usually takes 24 to 48 hours. Payments are a fixed daily or weekly amount.

What to know before you apply

Funding from $10,000 up to $5,000,000
At least 1 year in business
At least $5,000 in monthly revenue
Minimum credit score of 500, soft pull only
Fixed daily or weekly payments
No collateral required on our direct merchant cash advance
Apply directly with us and you work with us, not a broker or middleman
Customer service available 24 hours through our call center

Want to see the math first? Use the funding calculator or read our Transparent Terms for exact factor rates and fees.

Why restaurant owners choose direct funding

Banks often pass on restaurants because margins are thin and revenue swings week to week. We look at your business revenue, give you an offer in hours, and let you use the money where it helps most. Payments are a fixed daily or weekly amount. If you also want to lower what you pay on card sales, see our credit card processing partners.

Questions restaurant owners ask

Can a single-location restaurant qualify?

Yes, if you have at least 1 year in business and at least $5,000 in monthly revenue. We review bank statements and revenue, with a soft credit pull only.

How quickly can a restaurant get funded?

Offers usually come in 1 to 5 hours on a complete file. From application to funding usually takes 24 to 48 hours.

What can I use the funding for?

Anything business related: inventory, repairs, payroll, remodeling, marketing or expansion. You decide.

Ready to see what your restaurant qualifies for?

Offers in 1 to 5 hours, funding in 24 to 48 hours, up to $5M. Soft pull only, no cost to apply, no obligation.

Apply Now Call 1-866-737-6278

Smart Business Funding provides merchant cash advances and other business funding. A merchant cash advance is not a loan. All funding is subject to underwriting and approval. Amounts, factor rates, fees and timing vary by business. Offers usually take 1 to 5 hours on a complete file, and the whole process from application to funding usually takes 24 to 48 hours. See our Transparent Terms.