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✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Apply in 1 minute
$25K–$5Mfunding range
24 hourstypical funding
500+credit scores OK
Restaurantsonly — specialist

See how much your restaurant qualifies for

$25K to $5M in working capital & equipment financing — approved on your revenue, funded in as little as 24 hours. No collateral for working capital.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $25K+/mo revenue
1-Minute Application

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🔒 Soft credit pull · will not affect your credit score

Compare · 2026

MCA vs Term Loan for Established Restaurants

Speed against card sales, or a lower-cost fixed loan? Here's how established venues should choose.

Short answer: A merchant cash advance advances cash quickly against card volume and repays as a share of sales — useful for a fast opportunity, but factor rates make it costly. A term loan offers a lower effective cost and fixed payments that established restaurants can plan around. With steady revenue, most full-service venues save with a term loan.

Reviewed by the Prime Restaurant Capital Funding Team · Updated July 2026

How funding works, step by step

From application to funding in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

Approval is based on your last 3 months of business bank statements — not tax returns or the contract.

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

MCA vs term loan

How the two compare for an established restaurant.

CriteriaMerchant Cash AdvanceTerm Loan
PricingFactor rateInterest rate
Cost as you repayFixedDrops with balance
Repayment% of card salesFixed payment
Best forFast, weaker creditLower cost, planning
SpeedSame day – 24 hrs24 hrs – 3 days

Why established restaurants choose us

  • Underwritten on revenue, not tax returns or the P&L
  • FICO 500+ accepted; larger amounts for established venues
  • Funds in as little as 24 hours
  • Structured for full-service, bars, and multi-unit groups
  • Fixed payments or a share of revenue
  • Discreet, no-obligation soft credit pull

What you need to apply

  • US-based restaurant, bar, or hospitality business
  • 6+ months in operation
  • ~$40,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Should an established restaurant use an MCA?
Only for speed or a short-term need — with steady revenue, a term loan usually costs less.
Can I refinance an expensive MCA?
Yes — an existing advance can often be refinanced into a lower-cost facility.
How much can an established restaurant borrow?
Amounts scale with revenue — established full-service and multi-unit operators qualify for larger facilities, up to several million.
Does applying affect my credit?
No — it's a soft credit pull that doesn't affect your score.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

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Comparisons reflect typical 2026 industry structures for general information and vary by lender and underwriting; your actual terms are set at application. Product and company names referenced are the property of their respective owners.

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Approved on your revenue, not just your credit. Start your 1-minute application.

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Why restaurants choose Prime

We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.

🍽️

Restaurant-only underwriting

Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.

⚡

Funded in 24 hours

Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.

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Approved on your revenue

500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.

Ready to get funded?

Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.

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Before you go

See how much your restaurant qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute