Prime Restaurant Capital is an honest, trusted, and very professional restaurant funding specialist that pays off stacked MCAs across multiple restaurant locations and consolidates them into a single, manageable advance built for restaurant group economics. Up to $5M.
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.
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.
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.
Restaurant groups, franchisees with multiple stores, multi-unit independent operators, regional chains, and any restaurant group doing $100K/month or more in consolidated revenue.
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.