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 Restaurants Refinance Their MCA
Restaurant cash flow does not move in straight lines. Tuesday lunch is dead, Saturday dinner doubles, and POS holdbacks are quietly skimming a percentage of every batch before you ever see the deposit. Add stacked MCAs from two or three funders and your daily withdrawal rate climbs above what the restaurant can actually generate.
How Our Restaurant Buyout Works
We review your existing MCA balance(s), POS holdback rate, and your last 3 months of bank statements. We request payoff letters from your current funder(s), pay them off directly, and structure a single replacement advance with terms built around real restaurant cash cycles. Same-day buyout is common.
Who We Help
Full-service restaurants, QSR and fast casual, food trucks and ghost kitchens, catering companies, bars and nightclubs, multi-unit operators, and any restaurant concept 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