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Restaurant Business Funding That Works on Your Timeline

Fast, flexible capital to fuel your kitchen, staff, and service—without missing a beat.

Running a restaurant isn’t just about great food—it’s about managing labor costs, supplier payments, marketing, rent, equipment, and customer experience. Every day, restaurant owners face unexpected expenses and seasonal swings. That’s why Business First Funding offers restaurant business funding that moves at your pace.

Whether you're looking to renovate, open a second location, cover payroll during slow months, or launch a new marketing campaign, our funding adapts to your goals—not rigid banking rules.

Why Restaurant Owners Need Alternative Business Funding

Margins in the restaurant industry are notoriously thin. One slow week, equipment failure, or missed delivery can throw off your entire operation. And yet, traditional banks often:

  • Reject applications due to low credit scores

  • Require collateral most restaurant owners don’t have

  • Take weeks (or months) to fund

That’s not realistic when you need to fix a walk-in freezer or pay vendors tomorrow.

Our restaurant business funding gives you access to capital within 24–48 hours. We focus on your potential, your cash flow, and your plans—not your past.

Restaurant Business Funding Options We Offer

We provide a range of options tailored to fit the rhythm of the food service industry:

Working Capital Advance

  • Get fast cash to cover immediate expenses

  • Great for staffing, supplier payments, or marketing

  • Funds in as little as 24 hours

Use Case: A local cafe uses a working capital advance to bulk-purchase ingredients at a discount before the holidays.

Revenue-Based Repayment

  • Payments adjust with your daily or weekly revenue

  • Perfect for restaurants with seasonal swings

Use Case: A beachfront restaurant uses this option to manage lower winter revenue without falling behind.

Merchant Cash Advance (MCA)

  • Receive a lump sum in exchange for a small percentage of daily credit card sales

  • Fast, flexible, and accessible—even with credit challenges

Use Case: A fast-casual restaurant renovates its patio before peak season using an MCA, repaid automatically from daily sales.

Short-Term Business Loans

  • Lump sum capital with fixed repayments

  • Useful for renovations, equipment, or launching a second location

Use Case: A pizza franchise owner opens a second unit using a short-term loan to cover the initial build-out and staffing.

Equipment Financing

  • Purchase or lease kitchen equipment without depleting cash flow

  • Fixed payments and potential tax benefits

Use Case: A bakery upgrades to a new convection oven that increases production capacity while maintaining cash reserves.

When to Use Restaurant Business Funding

Our funding solutions help you:

  • Cover payroll during slow weeks

  • Launch local marketing campaigns to boost foot traffic

  • Upgrade outdated kitchen or POS equipment

  • Expand seating or outdoor dining

  • Handle emergency repairs quickly

Who We Serve

We support independent restaurants, multi-location chains, franchises, food trucks, cafes, bakeries, and ghost kitchens across the U.S.

From family-owned diners to upscale concepts and fast-casual brands, our funding adapts to your unique business model.

Why Choose Business First Funding

  • Speed: Capital in your account within 1–2 business days

  • Flexibility: Payment options that follow your revenue pattern your account within 1–2 business days

  • Access: We work with credit challenges, liens, and newer businesses

  • Simplicity: Fast application and minimal paperwork

  • Support: Dedicated experts who understand the restaurant hustle

We’re not here to sell you a product—we’re here to help you run your restaurant without financial stress holding you back

How the Process Works

1

Apply Online

Takes just minutes with no impact to your credit.

2

Quick Review

We evaluate your business based on performance and potential—not just credit score.

3

Get Funded Fast

Once approved, funds are wired directly to your business checking account within 24–48 hours.

4

Use Funds Freely

Cover immediate expenses, plan long-term improvements, or prepare for the busy season.

Straight answers. Zero fluff.

Your Funding Questions Answered

Can I qualify with bad credit?

Yes. We focus on your restaurant’s cash flow, not just your credit score.

What documents do I need to apply?

Just a one-page application and 3 recent months of business bank statements.

Are there restrictions on how I use the funding?

No. Use it for payroll, equipment, marketing, expansion—whatever helps you grow.

How fast will I receive the money?

Most clients receive funds within 1–2 business days.

Do you work with franchises?

Yes. We fund both independent and franchise restaurants.

Is this a loan or a cash advance?

We offer both. We’ll help you determine which option works best for your goals.

Ready to Fund Your Next Service Rush?

Don’t wait for a traditional loan approval to fix your fryer or expand your menu.

With Business First Funding, you’ll get fast access to capital—so you can focus on what matters: running your restaurant.

We’re here to make accessing capital for your company as easy as possible.

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