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.
Why Ghost Kitchen Operators Refinance Their MCA
Ghost kitchens and delivery-only concepts run on platform deposits — DoorDash, Uber Eats, Grubhub, ezCater — each with their own holdback schedule and payout timing. A flat daily MCA payment does not understand any of that. Refinancing into a revenue-based advance lets the payment flex with the lumpy platform deposit pattern instead of draining the operating account on slow nights.
How the Ghost Kitchen Buyout Works
We review your existing MCA balance, factor rate, daily payment, and your last 3 months of platform-deposit bank activity. We request a payoff letter from your current funder, structure a replacement advance up to $5M, and replace the daily debit with terms that align with multi-platform delivery deposit cycles. Same-day buyout possible.
Who We Help
Ghost kitchens, virtual brands, delivery-only concepts, dark kitchens, cloud kitchens, multi-brand virtual operators, and any delivery-first restaurant doing $25K/month or more.
Real Recent MCA Buyouts
- $87,000 MCA buyout completed in 4 hours — customer saved 31% on effective rate.
- $145,000 stacked-advance consolidation — paid off two MCAs and stabilized cash flow.
- $210,000 refinance from a daily MCA holdback into a flexible repayment structure.
Refinance vs Staying With Your Current MCA
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.
Qualification
- Operating US business — 6 months minimum
- Monthly revenue $25,000+
- Credit score 500+ accepted
- Active business bank account
- Existing MCA(s) — current or behind, both reviewed