Restaurant Financing

Restaurant Merchant Cash Advance

Fast funding for equipment, renovations, inventory, and payroll. Get capital in 24-48 hours with no collateral required.

$5K - $500K Available
Bad Credit OK
24-48 Hour Funding

Restaurant Financing Challenges We Solve

Restaurants face unique cash flow challenges. We understand the industry and provide fast, flexible funding when you need it most.

Seasonal Cash Flow Gaps

Bridge slow seasons, cover payroll during winter months, or prepare for peak tourist seasons without depleting reserves.

Equipment Breakdowns

Replace broken ovens, refrigerators, or HVAC systems immediately. Don't lose revenue waiting weeks for traditional bank approval.

Expansion Opportunities

Seize opportunities for renovations, second locations, or outdoor dining expansions before competitors act.

How Restaurants Use Merchant Cash Advances

🍳 Kitchen Equipment & Appliances

Commercial ovens, refrigerators, freezers, dishwashers, ice machines, fryers, grills, and ventilation systems.

Typical funding: $15,000 - $75,000

🏗️ Renovations & Build-Outs

Dining room remodels, kitchen upgrades, outdoor patio construction, bar expansions, and ADA compliance improvements.

Typical funding: $30,000 - $150,000

📦 Inventory & Supplies

Bulk food purchases, wine and liquor inventory, seasonal menu ingredients, and disposable supplies for catering events.

Typical funding: $10,000 - $50,000

👥 Payroll & Labor Costs

Cover payroll during slow months, hire additional staff for peak season, or pay retention bonuses to key employees.

Typical funding: $20,000 - $100,000

📱 Marketing & Technology

POS systems, online ordering platforms, delivery app promotions, social media advertising, and menu photography.

Typical funding: $5,000 - $30,000

🚚 Second Location or Food Truck

Expand to a new location, purchase a food truck, or open a ghost kitchen for delivery-only operations.

Typical funding: $50,000 - $250,000

Why Restaurants Choose Merchant Cash Advances

Revenue-Based Repayment

Payments adjust with your daily credit card sales. Slow Tuesday? Lower payment. Busy Saturday? Higher payment. Perfect for seasonal restaurants.

No Collateral Required

Don't risk your restaurant equipment, real estate, or personal assets. Approval based on revenue, not collateral.

Bad Credit Accepted

96% of restaurant operators face rising costs. We understand the challenges and approve based on revenue, not credit score.

24-48 Hour Funding

When your walk-in cooler breaks on Friday, you can't wait 6 weeks for a bank loan. Get funded by Monday and keep serving customers.

Restaurant Success Stories

Italian Steakhouse - Atlanta

A Buckhead steakhouse's main oven failed during peak season. Traditional lenders required 6 weeks and extensive documentation. Zeus Commercial Capital provided $45,000 in 48 hours, allowing them to purchase a commercial oven and complete installation before weekend reservations.

$45,000 funded in 48 hours
Equipment replacement

Mexican Restaurant - Miami

A South Beach Mexican restaurant wanted to add outdoor patio seating before Art Basel season. Zeus Commercial Capital funded $60,000 in 36 hours for patio construction, furniture, and heating. The expansion generated an additional $15,000 monthly revenue.

$60,000 funded in 36 hours
Patio expansion

BBQ Restaurant - Nashville

A Nashville BBQ joint needed $30,000 for a second smoker and catering equipment to handle growing corporate catering demand. With limited credit history, Zeus Commercial Capital approved funding based on strong daily sales, resulting in 300% catering revenue growth.

$30,000 funded, 300% growth
Catering expansion

Restaurant Types We Serve

Full-Service Restaurants

Quick-Service (QSR)

Fast Casual

Fine Dining

Cafes & Coffee Shops

Bars & Nightclubs

Food Trucks

Ghost Kitchens

Pizzerias

Bakeries

Catering Companies

Franchises

Ready to Fund Your Restaurant?

Join thousands of restaurant owners who have accessed fast, flexible merchant cash advance funding through Zeus Commercial Capital.

Serving restaurants nationwide: Atlanta, Miami, Nashville, Charlotte, and beyond

Additional Resources for Restaurant Owners

Zeus Commercial Capital | 1515 Mockingbird Lane, Suite 420, Charlotte, NC 28209

Phone: (800) 516-1153 | Email: [email protected]

Other Industries: Retail |Construction