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 Stressed Restaurant Operators Choose Us
Restaurant operators face emergencies that generic lenders do not understand — POS holdback skim, vendor net-7 terms, payroll on opposite cycles, equipment cost-of-down. Our restaurant-only underwriting gets the emergency funded fast because we already speak the operating language.
How Restaurant Emergency Cash Works at Prime
Soft credit pull. 3 months of restaurant bank statements. Decision in 2 hours. Funding in 4-24 hours. Repayment structured around restaurant cash cycles.
Who We Help
Full-service restaurants, QSR, fast casual, food trucks, ghost kitchens, catering, bars and nightclubs, multi-unit operators — any restaurant concept doing $25K/month or more.
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