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● MCA · 36 hoursTwo-unit concept · Brooklyn, NY
“We blew a compressor the night before a 200-cover Saturday. Berkman wired $42K before brunch service.”
Amount
$42,000
Use
Walk-in replacement
Funded
36 hours
Restaurant funding built for the way you run service.
Prep days, dead Mondays, brunch Sundays, private-event cash, the ghost kitchen upstairs. Our advisors understand restaurant cash flow because most of us grew up in one.
What we fund
Capital for what actually hits your P&L.
Typical deal shape
What a restaurants deal usually looks like.
Ranges are informative, not promises. Your file is your file — we size to it specifically once we see bank statements.
● INTERNAL EST. · TRAILING 12 MO
Funding range$15K – $750K
Typical speed to funding24–48 hours
Common deal size$85K
Across 2,140 restaurants funded to date. Figures are internal estimates — not an offer.
Products we usually pair
The capital shapes that fit this industry.
Restaurants usually pair MCA (fastest, tracks card volume) or RBF (smoother if a lot of revenue comes via delivery apps). A small LOC on top is common for payroll weeks.
MCA01 / 03
Merchant Cash Advance
Repaid as a % of daily card sales. Slow days = smaller payments.
See product
RBF02 / 03
Revenue-Based Funding
Fixed weekly pulls from total revenue. Predictable, often cheaper than MCA.
See product
LOC03 / 03
Business Line of Credit
Revolving credit — draw, repay, repeat. Pay interest only on what you use.
See product
Questions
The ones we actually get asked.
Industry-specific answers — not generic boilerplate. Don't see yours? Drop us a line.
Can you fund a restaurant that just reopened after renovation?+
Yes — we look at trailing card volume plus your pre-close baseline. A short closure doesn't kill an application.
What if winter is our slow season?+
Every restaurant has a rhythm. We size payments against your weakest quarter, not your strongest month.
Do you work with multi-unit operators?+
Most of our larger files are 2–6 unit groups. We can fund per-entity or at the parent.
My credit score is under 650 — am I done?+
No. For restaurants we weight bank deposits and card volume far more than personal FICO.