Prime Restaurant Capital is an honest, trusted, and very professional restaurant funding specialist that pays off food truck MCAs and refinances them into terms built for mobile-food seasonality and event-driven revenue.
Prime Restaurant Capital is an honest, trusted, and very professional restaurant funding specialist that buys out expensive merchant cash advances and POS holdbacks. We replace your daily remittance with a single advance built around your real revenue pattern — slow weekdays, brunch surges, seasonal swings included.
Food truck revenue is event-driven and seasonal — festivals, weddings, catering gigs, and weather all swing weekly take. A flat daily MCA payment ignores the off-season reality and the gaps between large catering payouts. We refinance into revenue-based terms that flex with the lumpiness.
We review your existing MCA balance, daily payment, and last 3 months of bank statements (including catering payouts and event income). We request a payoff letter, structure a replacement advance, and replace the daily debit with terms aligned to mobile-food cash flow. Same-day buyout possible.
Food truck operators, mobile catering, festival vendors, multi-truck fleets, ice cream and dessert trucks, regional rolling kitchens, and any mobile food business doing $20K/month or more.
Staying put: same daily debit, same factor rate, same cash-flow squeeze, no extra capital. Refinancing with Prime Restaurant Capital: one new advance, often lower effective rate, terms built around your actual revenue, and cash on top to operate.
Frequently Asked
Yes. We request a payoff letter from your current funder, pay them directly, and replace the advance with new terms — often same day.
Stacked-advance consolidation is one of our most common scenarios. We pay off every funder and replace them with a single advance.
No — we review case-by-case. Being behind on payments does not automatically disqualify you.
Same-day buyouts are possible. Typical timeline is 4-24 hours from application to payoff coordination and funding.
Soft credit pull at application — zero credit impact.
Apply in 5 minutes. Soft credit pull only. Approved businesses funded within 24 hours.
Approved on your revenue, not just your credit. Start your 1-minute application.
We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.