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Funding for restaurants that run on card sales.

Restaurants live on thin margins and uneven weeks. A slow month, a walk-in cooler that dies or a patio season you need to staff up for can all hit before the cash does. Funding partners that work with restaurants look mostly at your deposits and card volume, so a strong register can matter more than a perfect credit file.

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Restaurant funding: see what you qualify for

How much do you need?

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Daybook Capital is a broker, not a lender. $0 to apply. No credit check to request a call.
What owners use it for

Common uses

  • Kitchen equipment repair or replacement
  • Seasonal staffing and payroll
  • Inventory and food costs
  • Renovations or a second location
  • Covering a slow season
[Photo: Restaurant owner in a kitchen doorway during prep]
Why it can fit

Many restaurant advances are repaid as a share of daily card sales, so payments can rise in busy weeks and ease in slow ones, depending on the agreement.

What to watch

Daily payments come out of the same account you pay food vendors from. Ask for the payment amount in dollars and check it against your slowest week, not your best one.

Read the whole number.

Every offer shows the amount, total repayment and payment schedule before you sign.

How to compare offers
SAMPLE TERM SHEET
Funding amount$50,000
Factor rate1.35
Total repayment$67,500
Cost of funding$17,500
PaymentsDaily or weekly
Estimated APR, 6-month payback≈126%
Illustration only, not an offer. Real terms vary by funding partner.

Questions from restaurants.

Can a new restaurant qualify?

Most funding partners look for at least 6 months of deposits. Some work with businesses at 3 to 6 months on smaller amounts. A specialist can tell you what's realistic before you apply.

Do I need to switch card processors?

Usually not. Most advances are repaid by automatic debit from your bank account. Some partners offer a split from your processor instead; it's optional and shown in the offer.

Are you the lender?

No. Daybook Capital is a broker. Independent funding partners review your file and set their own terms. We never charge applicants.

Get your file in front of funders.

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Daybook Capital is a broker, not a lender. $0 to apply.
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