Working capital for restaurants. Built for the way you actually operate.
From corner cafés to multi-location concepts, MerchantRunway helps restaurants, food trucks, caterers, and ghost kitchens review working capital options. Provider review may consider daily deposits, seasonality, weekend-heavy revenue, and documentation instead of relying on one generic snapshot.
Quick answer
MerchantRunway helps restaurants & food service review working capital and short-term funding options based on revenue, timing, documents, and repayment capacity.
No obligation. MerchantRunway is operated by MerchantRunway.com. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
Typical funding range
Funding amounts vary by revenue, time in business, existing obligations, and provider review.
Funding timeline
Some files can move quickly after documents are complete, but approval and funding timing are not guaranteed.
Who this is for
Established businesses with active revenue, a business bank account, and a specific use of funds.
Typical funding uses
Open a second location
Build-out, FF&E, and opening payroll for your next restaurant — without tying up the cash flow at your flagship.
Cover a slow season
Bridge through a quiet month, a renovation, or a kitchen rebuild without missing payroll or rent.
Take on a big catering contract
Fund the upfront food, labor, and equipment costs to land contracts you couldn't otherwise carry.
New equipment, fast
Walk-ins, hoods, ovens, POS systems — financed in days, not weeks.
Inventory and food costs
Lock in better pricing on bulk orders or seasonal menu changes.
Marketing & delivery launch
Fund a brand refresh, third-party delivery launch, or paid acquisition push.
How approval is evaluated
- Credit profile is one input; restaurant revenue patterns, deposit consistency, and existing obligations also shape available options.
- Time in business is reviewed with revenue, deposits, industry, and existing obligations; requirements vary by provider.
- Potential repayment cadence should be reviewed against your cash-flow pattern before accepting any offer.
- Delivery-heavy and seasonal concepts should explain revenue patterns clearly during review.
- Multi-unit operators should document entity structure, deposits, and obligations clearly.
Documents usually needed
- • Business bank account
- • Recent bank statements
- • Clear use of funds
- • Owner contact information
- • Existing obligations disclosed
Check funding options for your business
Start with a short intake. We review your revenue pattern, business model, timing, and requested use of funds before discussing available capital paths.
Common questions
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Ready to explore your funding options?
Get a clearer understanding of what providers may look for, what documents may be needed, and which funding options may fit your business.