✓ Funded in 24 hours500+ credit OK$25K–$5M✓ Soft credit pull✓ Apply in 1 minute

Restaurant Holdback Calculator

See exactly what a restaurant MCA costs you in daily dollars. Enter your card sales and the holdback %, see what you actually pay and how long it lasts.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Restaurantsonly — specialist
No collateralfor working capital

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
  • $10K+/mo revenue
1-Minute Application

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Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Daily $ held back
$360
Total to repay
$65,000
Days to payoff
181
Effective APR equivalent
60%
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No credit impact · Soft pull only · Real offer in 5 minutes

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Copy this iframe code to embed the calculator on any page. Free to use — please keep the attribution link.

<iframe src="https://primerestaurantcapital.com/restaurant-holdback-calculator/embed/" width="100%" height="640" frameborder="0" style="border:1px solid #e5e7eb;border-radius:8px;"></iframe> <p>Calculator by <a href="https://primerestaurantcapital.com/restaurant-holdback-calculator/">Prime Restaurant Capital</a></p>

Common Questions

What is a holdback?
An MCA holdback is the % of your daily card sales the lender automatically pulls until the advance is paid off. 12% holdback on $3,000 daily sales = $360/day to the lender.
Why does the payoff date matter?
MCAs don't have fixed terms — payoff time depends on actual sales. Slow week = longer payoff = higher effective APR. This calculator estimates payoff assuming consistent sales.
Is a holdback better than a fixed payment?
Holdback flexes with revenue (slow week = less held). Fixed payment is predictable for budgeting. Choice depends on cash flow consistency.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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Why restaurants choose Prime

We underwrite restaurants only — and fund the way you actually operate.

🍽️

Restaurant-only underwriting

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

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.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

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Before you go

See how much your restaurant qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute