Prime Restaurant Capital is an honest, trusted, and very professional restaurant funding specialist that combines MCA buyout with emergency same-day funding. We pay off your current funder(s) and get extra operating cash in your account in 24 hours, often same-day.
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 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.
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.
Restaurants trapped in stacked MCAs, POS holdback advances, daily-debit MCAs that are crushing operations, and any restaurant doing $20K/month or more needing combined buyout + emergency cash.
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.
Frequently Asked
Yes. We request a payoff letter from your current funder, pay them directly, and replace the advance with new terms — often same day.
Stacked-advance consolidation is one of our most common scenarios. We pay off every funder and replace them with a single advance.
No — we review case-by-case. Being behind on payments does not automatically disqualify you.
Same-day buyouts are possible. Typical timeline is 4-24 hours from application to payoff coordination and funding.
Soft credit pull at application — zero credit impact.
Apply in 5 minutes. Soft credit pull only. Approved businesses funded within 24 hours.
Approved on your revenue, not just your credit. Start your 1-minute application.
We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.