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.
When MCA Refinance Becomes a Restaurant Emergency
When the daily MCA holdback is consuming revenue faster than the restaurant generates it, buyout is the emergency response — not an option. We pay off the current funder, replace daily debits with flexible restaurant-aware terms, and fund extra cash in 24 hours.
How the Emergency Buyout Process Works
Payoff letter requested from your current MCA funder(s). Replacement advance structured against your restaurant revenue pattern. Funded in 24 hours, often same-day for clean applications.
Who We Help
Restaurants trapped in stacked MCAs, POS holdback advances, daily-debit MCAs that are crushing operations, and any restaurant doing $25K/month or more needing combined buyout + emergency cash.
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