Merchant Cash Advance for Restaurants
Saturday night you do $8,000 in card sales. Tuesday lunch is $1,200. MCA takes a percentage of each day's deposits, so you pay more on busy nights and less on slow days. Perfect alignment with how restaurants actually operate and generate revenue.
How much funding do you need?
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How MCA Works for Restaurants
Merchant cash advance was practically invented for restaurants. Daily card deposits provide the predictable cash flow that makes percentage-based repayment work perfectly.
Daily Deposit Alignment
A 10% holdback on daily card deposits means $800 payment on an $8,000 Saturday but only $120 on a $1,200 Tuesday. Built-in alignment with restaurant business patterns.
Weekend Peak Capture
Restaurants generate 60-70% of weekly revenue Friday-Sunday. MCA captures proportionally more repayment during peak periods when cash flow supports it.
Slow Day Protection
Monday lunch does $800. Your MCA payment is $80. No stress about hitting a $500 fixed payment on your slowest day.
Speed to Capital
MCA typically funds faster than any other restaurant financing option. Equipment emergencies, opportunities, and urgent needs can be addressed in days.
Why Fixed Payments Hurt Restaurants
Daily sales variation is the reality of restaurant business. Financing should match.
Daily Sales Variation
Saturday does $8,000. Monday does $1,500. Fixed payments ignore this dramatic daily variation that defines restaurant business.
Seasonal Swings
Tourist season doubles revenue. January is dead. Fixed payments continue regardless of seasonal reality.
Weather Impact
Snowstorm kills Tuesday. Beautiful Saturday is packed. Fixed payments do not adjust for weather.
Emergency Speed
Walk-in cooler dies. You need $12,000 by Thursday. Banks do not operate on restaurant emergency timelines.
Credit Challenges
Past credit issues from the recession, a failed prior restaurant, or personal circumstances. Strong daily deposits should matter more.
Bank Restaurant Bias
Banks see restaurant failure statistics and decline. They do not recognize your successful operation.
Restaurant MCA Process
From application to funding in days, not weeks.
Application
Complete online application with business information.
5 minutes
Documentation
Provide 4 months of bank statements showing daily card deposits.
Upload
Offer
Receive offer with advance amount, factor rate, and holdback percentage.
24-72 hours
Funding
Accept and receive funds deposited to your business account.
Same or next day
Capital That Matches Daily Sales
MCA ties payments to your actual daily card deposits. Busy nights pay more because you can afford it. Slow days pay less because that is your reality. Perfect alignment with restaurant cash flow patterns.
Daily Deposit Alignment
Payments calculated as percentage of daily card deposits. Big nights pay more, slow days pay less.
Fast Access
Most restaurant MCA applications receive decisions within 24-72 hours. Funding deposits same or next day.
Credit Flexibility
Card processing volume matters more than credit scores. Strong daily deposits can overcome credit challenges.
Weekend Alignment
60-70% of repayment happens Friday-Sunday when you generate 60-70% of revenue. Natural alignment.
No Fixed Payments
Never face a $500 fixed payment on a $1,200 Monday. Payments always proportional to sales.
No Collateral
Future deposits are the basis. No need to pledge equipment or personal assets.
Restaurant MCA Applications
Situations where MCA speed and flexibility help restaurants.
Equipment Emergency
Walk-in cooler, range, or critical equipment fails. Need replacement in days, not weeks.
Typical funding: $10K-$30K
Renovation Push
Dining room refresh, patio build, or concept update. Act fast on contractor availability.
Typical funding: $30K-$100K
Seasonal Preparation
Build inventory and staff for peak season. Fund preparation before revenue arrives.
Typical funding: $20K-$75K
Credit Challenges
Past credit issues but strong daily card volume. Fund based on business performance.
Typical funding: $15K-$75K
Marketing Campaign
Grand reopening, holiday promotion, or customer acquisition push.
Typical funding: $10K-$40K
Second Location
Opportunity to expand. Need capital faster than banks provide.
Typical funding: $50K-$200K
MCA vs. Other Restaurant Financing
Understanding when MCA makes sense for your restaurant.
| Feature | Restaurant MCA | Term Loan | Bank Loan |
|---|---|---|---|
| Speed | 24-72 hours | 1-3 weeks | 30-60 days |
| Payment Structure | % of daily deposits | Fixed monthly | Fixed monthly |
| Adjusts to Sales | ✓ | ✗ | ✗ |
| Credit Requirements | Flexible | Moderate | Strict |
| Weekend Alignment | Automatic | None | None |
| Total Cost | Higher | Moderate | Lowest |
| Approval Rate | 70-80% | 50-60% | 25-35% |
| Best For | Speed/daily flex | Planned needs | Best credit/time |
Restaurant MCA Requirements
MCA qualification focuses on card processing volume and deposit patterns.
Card Processing
Consistent daily card deposits from restaurant operations.
$10,000+ monthly card volume
Business History
Operating restaurant with established operations.
6+ months minimum
Daily Deposits
Regular daily card deposits showing operational consistency.
Consistent daily deposits
Business Bank Account
Business checking with deposit history.
4+ months statements
No Active Bankruptcy
Cannot be in active bankruptcy. Past discharged bankruptcy may be acceptable.
No open BK
Active Operations
Currently operating with normal business activity.
Active restaurant
MCA emphasizes card processing volume over credit scores. Strong daily deposits can overcome credit challenges.
Real Results
Urban Grill House
Casual Dining Restaurant, Texas
The Challenge
Urban Grill's walk-in cooler failed on Wednesday. $6,000 in inventory was at risk. Weekend reservations were booked. They needed a $14,000 replacement immediately. Their bank needed 2-3 weeks.
The Solution
We evaluated their $45,000 monthly card volume and approved $18,000 MCA at 1.28 factor with 12% daily holdback. Funding arrived Thursday.
The Result
New walk-in installed Friday morning. Inventory saved. Weekend service unaffected. Repayment tracked naturally with their strong weekend deposits. Total crisis resolved in 48 hours.
“Wednesday night I had a dead cooler and panicked. Friday morning I had a new one and everything was fine. The speed saved my weekend and my inventory.”
Restaurant MCA Data
Statistics on MCA for restaurant businesses.
Why Restaurants Choose MCA
Advantages of deposit-based funding for food service.
Daily Match
Payments align with daily sales. No stress on slow days.
Weekend Alignment
Pay more Friday-Sunday when you make more. Natural match.
Credit Flexibility
Strong card volume matters more than credit history.
Emergency Response
Equipment failures get immediate response.
Seasonal Adjustment
Tourist season pays faster. Slow season adjusts down.
Simple Process
Bank statements and application. No tax returns required.