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 Multi-Unit Operators Refinance Their MCA
Multi-unit restaurant groups often end up with two, three, or four MCAs — one per location, each from a different funder, each debiting separately. The combined daily withdrawal climbs past what the group P&L can support. We pay off every funder and consolidate into a single advance underwritten against the consolidated revenue.
How the Multi-Unit Buyout Works
We review every existing MCA across all units, request payoff letters from each funder, and structure a single replacement advance up to $5M sized against the consolidated revenue. The result is one daily payment instead of three or four — usually at a meaningfully lower combined effective rate.
Who We Help
Restaurant groups, franchisees with multiple stores, multi-unit independent operators, regional chains, and any restaurant group doing $100K/month or more in consolidated revenue.
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