Industry funding
Restaurants & Food Service business funding
Capital for restaurants, cafés and food businesses to handle renovations, equipment and seasonal swings.
Written and reviewed by the BFG Funds Editorial Team · Updated October 15, 2026
Why restaurants & food service businesses need flexible funding
Restaurants run on thin margins and daily card sales. A slow season, a broken walk-in cooler or a new location can strain cash quickly. Lenders that look at daily deposits and card volume can move fast, and structures that flex with sales help protect payroll.
Common challenges
- Thin margins and unpredictable foot traffic
- Expensive kitchen equipment repairs and replacements
- Seasonal and weather-driven sales swings
- Build-out costs for new or remodeled locations
Funding options that fit restaurants & food service
Revenue-Based Financing
Repay as a percentage of sales, so your payments flex with slow and busy months.
$25K – $1M · 24–48 hours
Learn moreEquipment Financing
Finance machinery, vehicles or tech using the equipment itself as collateral.
$20K – $2M · 2–5 business days
Learn moreWorking Capital
Cover payroll, inventory and seasonal gaps with fast, unsecured short-term funding.
$30K – $750K · 24–48 hours
Learn moreMerchant Cash Advance
An advance against future sales, repaid automatically from deposits — built for speed and flexible credit.
$10K – $500K · As fast as 24 hours
Learn moreRestaurants & Food Service funding FAQ
Can a restaurant get funding with less-than-perfect credit?
Yes. Many providers focus on consistent card sales and bank deposits. Expect higher costs than bank financing if credit is limited.
Is there funding that adjusts to slow months?
Revenue-based financing collects a percentage of sales, so payments generally shrink when sales do.
Tell us about your business
A few details are all we need to start. A funding specialist will look at what your business needs and come back with the options that fit — usually the same business day. There's no obligation.
- Checking your options won't affect your credit
- You talk to one specialist, not a call center
- Many decisions come within 24 to 48 hours