Renew & Refinance Your Restaurant's MCA — Lower Your Payment, Get More Capital

If your restaurant's current merchant cash advance is draining daily sales and you need breathing room — plus more capital to keep the kitchen running — this is exactly what Prime Restaurant Capital does. We renew and refinance your existing advance into a structure with a lower daily or weekly payment, and put additional working capital in your account at the same time. One application, same-day decisions.

See how much your restaurant qualifies for

Two-hour decisions. Same-day funding. No obligation. Apply Online →

What a renew & refi does for your restaurant

• Lower your payment. We restructure your existing advance so the daily hit on your bank account goes down — freeing up cash flow immediately.
• Put new capital in your hands. Refinancing isn't just relief — you pull additional working capital at the same time for payroll, food cost, equipment, or a slow season.
• Approved on revenue, not just credit. We look at your deposits and real sales. A 500+ FICO gets a fair shot.
• Same-day speed. Decision in 2 to 4 hours, funded the same day once approved.

Who this is for

Renew & Refi is built for restaurant and food-service owners who already carry a merchant cash advance and feel the daily-payment squeeze — full-service, quick-service, bars, cafes, food trucks, and franchises. If the payments are tight and you also need more fuel, refinancing into a lower payment with extra capital is usually the smartest move.

Common questions

Will my daily payment actually go down? That's the goal — we structure the new funding so your daily/weekly payment is lower than what you're paying now, while still giving you additional capital.

How fast? Decision in 2 to 4 hours and same-day funding once approved.

What do I need? Three months of business bank statements and real monthly revenue. We fund on cash flow, so a 500+ FICO still gets a fair look.

Lower your payment and get funded today

Stop letting the daily draft choke your cash flow. Refinance into a lower payment and pull the capital your restaurant needs — same day. Apply Now ⚡