Thin, volatile margins
Food and labor costs eat most of every dollar, leaving little cushion when an unexpected expense hits.
Industries we serve
Capital that flexes with your covers.
Restaurants run on thin margins and swing with the seasons. We offer revenue-flexible funding to smooth slow months, renovate, or open that second location.
The challenges
What makes restaurants funding different
We have funded enough restaurants businesses to know exactly where the cash-flow pressure points are.
Seasonal and weekly swings
Slow Mondays, dead Januaries, and a busy holiday rush make steady fixed payments hard to manage.
Equipment that cannot fail
A walk-in cooler or oven going down mid-service is an emergency that must be fixed immediately, at any cost.
The cost of growing
Renovating the dining room or opening a second location demands serious upfront capital long before the new seats pay off.
Funding solutions
Funding solutions for restaurants
Based on how restaurants businesses actually operate, these are the products our advisors recommend most.
By the numbers
The restaurants reality
3–5%
typical net profit margin in full-service dining
Sales-based
MCA repayment that breathes with your daily covers
24 hrs
to funding for an emergency equipment failure
In their words
A restaurants owner like you
“Our walk-in died on a Friday and a new one was twelve grand. Solstice funded a merchant cash advance over the weekend and repayment just comes out of card sales, heavier on busy nights. It never strained our slow weeks.”
Eligibility
Do you qualify?
Restaurants with 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score are a great fit — and strong card volume can matter more than a perfect credit score.
- 6+ months in business. Enough history to show us how you operate.
- $15,000+ in monthly revenue. Steady revenue is what we care about most.
- 500+ credit score. We weigh the full picture, not a single number.
Capital built for restaurants.
Apply in five minutes and talk to an advisor who understands your trade.