Working capital for independent and franchise restaurants — Restaurant Cash Flow
Access non-bank funding for seasonal dips, inventory costs, and equipment replacement without putting your daily operations at risk.
Checking rates does not impact your credit score.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Revenue-based financing
- Stipulations
- Factor rate
- Daily remittance
- Collateral lien
- Debt service coverage
- Working capital
- Merchant cash advance
Working capital and cash flow financing for US-based independent and franchise restaurants
Financing options matched to your situation, in one place.
- OPERATIONS Working capital loans Bridge the gap during seasonal slow periods or cover sudden payroll spikes.
- RENOVATION Restaurant renovation funding Update your dining room or kitchen layout to increase table turnover in 2026.
- EQUIPMENT Kitchen equipment financing Replace failed refrigeration or ovens with fast, equipment-backed funding.
- EMERGENCY Short term business funding Address unexpected emergency repairs or supply chain disruptions immediately.
- $10K–$500K Available funding amounts
- 24–72 hours Time to funding
- 1 soft pull Credit impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Direct industry focus
- Lenders in our network understand restaurant seasonal revenue cycles.
- Our partners prioritize cash flow over legacy credit scores.
Transparent lending
- We do not charge fees for our matching services.
- Every offer includes a clear breakdown of total repayment amounts.
Speed and access
- Most applicants receive funding decisions within one business day.
- You can request funds for any legitimate business expense.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Low credit score
Traditional banks often require a 700+ FICO score for approval.
Insufficient collateral
Banks require hard assets like real estate for small loan amounts.
Short time in business
Most institutional lenders require five years of audited tax returns.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Independent coffee chain
Purchase of two high-capacity espresso machines to reduce morning wait times.
Franchise sports bar
Emergency HVAC replacement during peak summer season to ensure customer comfort.
Fast casual bakery
Bulk inventory purchase to take advantage of supplier early-pay discounts.
Independent pizza shop
Dining room expansion and modernization of existing point-of-sale systems.
Improve restaurant margins
Access our library of vendor negotiation templates and 2026 expense tracking sheets to lower your overhead once your cash flow stabilizes.