Capital for restaurants, bars, cafes, food trucks, and hotels — funded around your daily card sales and your busy season.
Apply in 4 Minutes →Call (305) 384-8391Hospitality runs on thin margins and unpredictable days. A rainy week, a slow season, or a broken walk-in cooler can wipe out a month of profit, while rent, payroll, and food costs never let up. Merchant Fund Express funds restaurants, bars, and hospitality businesses based on daily card sales and revenue — not just credit — so you can renovate, restock, and staff up without draining the register.
As a direct funder — not a broker or marketplace — we underwrite and fund from our own capital. We have deployed over $50M to 1,000+ businesses across all 50 states, accept 500+ FICO, and reserve our most competitive pricing for 600, 650, and 700+ credit scores. Decisions land in 2-4 hours, not the weeks a bank takes.
Restaurants live with razor-thin margins and brutal volatility. Daily sales swing with weather, day of the week, holidays, and local events, yet your biggest costs are stubbornly fixed: rent, payroll, insurance, and equipment loans come due on schedule regardless of how Tuesday went. Food and beverage costs run 28-35% of every dollar, labor another 30%, leaving almost nothing as a buffer when something breaks.
Then there is seasonality. A beach bar, a ski-town grill, or a patio-driven concept can earn most of its money in a handful of months and burn cash the rest of the year — but it must keep the doors open and the core staff paid year-round. Equipment is another silent killer: a failed walk-in, hood system, or POS can cost tens of thousands with no notice. And growth — a second location, a patio build-out, a ghost-kitchen line — demands lump-sum capital most operators do not keep on hand. Because we underwrite on daily card volume and deposits, a strong restaurant can qualify even with bruised credit, get a decision in 2-4 hours, and repay as a small slice of sales so payments fall with slow days instead of crushing them. Pair funding with a Clover POS through 1N1 Merchant Solutions to tighten your numbers, or refresh your concept with Legend Media & Print branding.
An advance repaid as a small percentage of daily card sales — the most popular product in hospitality because payments shrink automatically on slow days.
$10K-$500K in fast capital for payroll, rent, inventory, and getting through the off-season. Flexible daily or weekly repayment.
Up to $2M over terms to 60 months for ovens, walk-ins, hood systems, bar equipment, and POS — Section 179 deductible the same tax year.
Revolving capital you draw on for inventory spikes, repairs, and seasonal swings — only paying for what you use.
Fund a remodel, patio build-out, second location, or ghost kitchen with capital structured around your projected sales.
Pair funding with a Clover POS system through our partner 1N1 Merchant Solutions to streamline sales, payments, and reporting.
typical funding for kitchen equipment, renovations, payroll, inventory, and seasonal working capital
600+ FICO unlocks our most competitive pricing. 500-599 FICO still approved with flexible options. No tax returns required under $250K. Funding range $5K-$5M.
We underwrite on your daily card sales and bank deposits, not just FICO. A busy restaurant with strong volume can qualify even with a 500-599 score because the sales prove the business. We accept 500+ FICO; 600+ improves pricing and 650/700+ earns our best rates and longest terms. No tax returns required under $250K — three months of bank statements (and your card-processing statements) typically support a decision in 2-4 hours.
We fund established restaurant owners with at least six months of operating history.
Consistent monthly revenue flowing through your business bank account.
Your three most recent business bank statements — no tax returns under $250K.
Operating in the United States with a valid business bank account.
Illustrative examples of the funding profiles we structure for restaurants, bars, and hospitality businesses. Amounts, terms, and timelines vary by sales volume, credit, and use of funds.
Representative scenarios shown for illustration. Actual funding amounts, rates, and approval times depend on individual qualifications. Funding subject to approval. Not a guarantee of specific terms.
Merchant Fund Express funds from its own capital, so a restaurant owner deals with the people who actually approve the money — not a broker selling your application or a marketplace that buries you in sales calls. That is why you can apply during the lunch lull, get a decision in 2-4 hours, and have funds in the account the same or next business day. When the walk-in dies on a Friday or you need to staff up for a holiday weekend, that turnaround keeps the doors open and the covers coming.
Because we hold the paper, we can repay as a small share of your daily card sales — so the payment shrinks on a rainy Tuesday and rises when the patio is packed — and we can blend an equipment lease with a working-capital advance. Banks underwrite hospitality as high-risk and move far too slowly for a business that turns over cash daily; we read your sales volume and deposits and structure funding around the rhythm of service.
The best operators match funding to purpose. Long-lived assets — ovens, walk-ins, hood systems, a full POS — belong on equipment financing, where a 36-to-60-month term and Section 179 deductibility let the gear earn while it pays for itself. Day-to-day swings, seasonal payroll, and inventory buys fit a merchant cash advance or working capital that flexes with sales, while a line of credit handles repairs and inventory spikes you draw on only as needed.
Planning a remodel, a patio, a second location, or a ghost kitchen? A larger facility structured around projected sales funds the build without starving the original location. We can also pair your capital with a Clover POS through 1N1 Merchant Solutions to tighten reporting and a Legend Media & Print refresh for menus and signage. The application takes about four minutes and will not hurt your credit. Call (305) 384-8391 or apply online today.
Most hospitality businesses choose a merchant cash advance repaid as a small percentage of daily card sales. That means your payment automatically shrinks on slow days and rises on busy ones — far easier on cash flow than a fixed monthly bill.
Often yes. We accept 500+ FICO and weigh your daily card volume and deposits more heavily than your score. A restaurant with strong sales can qualify even in the 500s; 600+ unlocks more competitive pricing.
Yes. Equipment financing covers ovens, walk-ins, hood systems, bar equipment, and POS up to $2M over terms to 60 months, with Section 179 tax deductibility on qualifying equipment.
No. We see seasonal concepts constantly and structure funding around your peak revenue so you can cover fixed costs and staff through the off-season.
Yes. We can pair your funding with a Clover POS system through our partner 1N1 Merchant Solutions, and connect you with Legend Media & Print for menu design, signage, and rebranding.
A short application and your three most recent business bank statements; card-processing statements help on an MCA. No tax returns under $250K. The application takes about four minutes.
We fund across dozens of sectors. See related programs: Dental & Healthcare · Medical Practices · Construction · Restaurants & Hospitality · Trucking · Retail & E-commerce · All Industries. Ready to move? Start your application.
2-4 hour decisions. 500+ FICO. No tax returns under $250K. $5K-$5M available.
Start My Application →Call (305) 384-8391Recent fundings. Individual results vary; funding subject to approval.