Working capital for restaurants. Built for the way you actually operate.
From corner cafés to multi-location concepts, we fund restaurants, food trucks, caterers, and ghost kitchens. We look at your daily deposits — not your tax return — so seasonal swings and weekend-heavy cash flow won't kill your application.
What our clients use it for
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.
Why we're a fit
- We fund FICO 580+ — most of our restaurant approvals are 580–680.
- 6+ months in business is enough to qualify with most of our partners.
- Daily, weekly, or bi-weekly repayment options that match your cash flow.
- We work with delivery-heavy and seasonal concepts banks won't touch.
- Multi-unit operators: we can structure across entities.
"We had a chance to take on a big catering contract but didn't have the cash for the upfront food costs. Merchant Runway funded us in two days. That contract turned into our biggest year ever."
We're in it for the long haul.
Most of our clients come back for additional capital as their business grows. We track your business's progress and proactively let you know when you qualify for better terms, larger amounts, or different products.
Common questions
Ready to extend your runway?
Find out what you qualify for in under 5 minutes. No commitment, no hard credit check, no hassle.