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

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🔒 Soft credit pull · will not affect your credit score

Restaurant MCA · 2026

Restaurant Merchant Cash Advance for Full-Service & Bars

Fast, revenue-based capital for established restaurants and bars — repaid as a slice of sales, funded in as little as 24 hours, with lower-cost options compared for you.

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24hrFunding speed

$2MMax advance

500+Min FICO

5 minTo apply

What is a merchant cash advance for restaurants?

A merchant cash advance advances an established restaurant a lump sum repaid as a share of daily sales — fast and credit-flexible (FICO 500+). Prime Restaurant Capital advances $5,000 to $2,000,000 in as little as 24 hours, and — because factor rates can be costly — we compare it against a term loan or line of credit so you take the lowest-cost option you qualify for.

How a merchant cash advance works

Apply in 5 minutes

Short online application with a soft credit pull that does not affect your score.

We review your sales

Approval and your offer are based on your recent deposits and card sales.

Get your advance

Receive a lump sum, often within 24 hours of approval.

Repay from sales

A small fixed daily or weekly amount is remitted until the advance is paid.

Factor rates explained

An MCA is priced with a factor rate, not an interest rate. Here is how the cost works.

Term	What it means	Example
Advance amount	The cash you receive up front	$50,000
Factor rate	A multiplier that sets total payback	1.30
Total payback	Advance x factor rate	$65,000
Holdback	% of sales remitted per period	10-15%
Term	How long repayment takes	~4-18 months

Merchant Cash Advance Calculator

See total payback and your estimated daily and weekly payment. Adjust the sliders below.

Advance amount $50,000 Factor rate 1.30 Estimated term 10 months

$65,000Total payback

$295Est. daily payment

$1,477Est. weekly payment

Estimates only, for illustration. Factor rate and term are set at underwriting based on your revenue.

MCA qualification requirements

US-based restaurant, bar, or hospitality business
4+ months in business
~$40,000+ in monthly revenue or card sales
Last 3 months of business bank statements
Valid EIN and business bank account
FICO 500+ (approval weighted on sales)

Cost, amounts & speed

Advances through Prime Restaurant Capital run from $5,000 to $2,000,000, priced with a factor rate (commonly 1.15-1.45) set by your sales and deposit health. Stronger, steadier sales earn a lower factor rate.

Repayment is a small fixed daily or weekly debit, so it flexes with your cash flow. Most advances fund within 24 hours.

Use the calculator above to see your total payback and daily payment before you apply.

Restaurant industries that use MCAs most

Full-Service Restaurants

Strong ticket averages support larger advances and lower rates.

Bars & Nightlife

Advance against busy-season sales for inventory and staffing.

Multi-Unit Groups

Capital across locations, repaid from combined sales.

Fine Dining

Fund a renovation or expansion and repay from covers.

When an MCA makes sense (and when to consider alternatives)

You need cash fast — An MCA can fund same-day or within 24 hours when timing matters.
Your credit is weak — Approval leans on sales, so bank turndowns are common approvals.
Your sales are strong and steady — Consistent card sales earn a lower factor rate and bigger advance.
Consider an alternative if you can wait — With strong credit and time, a term loan or line of credit usually costs less.
Avoid stacking — Taking a second or third advance on top drains cash — consolidate instead.

Frequently asked questions

Should an established restaurant use an MCA or a loan?

For speed or weaker credit, an MCA works; with steady revenue, a term loan or line of credit usually costs less — we compare both before you sign.

Can I refinance an expensive advance?

Yes — we can consolidate or refinance an existing MCA into a lower daily payment.

How fast can I get an MCA?

Most advances fund within 24 hours of approval; smaller amounts can be same-day. The application takes about 5 minutes with a soft credit pull.

What is a factor rate?

A factor rate (e.g. 1.30) is multiplied by the advance to set total payback — a $50,000 advance at 1.30 repays $65,000. Unlike interest, it does not drop as you pay down.

Can I pay off an MCA early?

Often yes. We can also help refinance or consolidate an existing advance into a lower daily payment.

Will checking my options affect my credit score?

No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.

What can I use the funds for?

Any legitimate business purpose — payroll, inventory, materials, equipment, marketing, covering a slow period, or growth. There are no restrictions on how you use the capital.

Are there any upfront or application fees?

No. Applying and getting a decision is free. Any fees are disclosed in your offer before you accept, so there are never surprises.

Sources & further reading

Factor rates, figures, and calculator estimates are illustrative 2026 examples and vary by underwriting; your actual terms are set at application. A merchant cash advance is a commercial financing product, not a loan in all states. Product and company names referenced are the property of their respective owners.

Why restaurants choose Prime

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

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Restaurant-only underwriting

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

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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.