Funding for Restaurants & Bars
Restaurants run on daily card sales, which is exactly what a merchant cash advance is built around — remittance tracks your revenue, lighter in slow weeks, heavier when the room is full.
You know the math better than any underwriter. Food costs move weekly, the hood system needs service, the walk-in compressor picks the worst possible weekend to quit, and your landlord does not care that February was dead. A bank wants two years of tax returns and ninety days of meetings before it tells you no. Broadway works off what your restaurant actually does: three months of bank statements, one short form, a soft credit pull, and a same-day decision. If the kitchen needs capital, you can have funding in as little as 24 hours — fast enough to matter before the weekend rush.
The challenge
Slim margins meet lumpy cash flow: a slow January, a walk-in that dies on a Friday, payroll due whether the covers show up or not. Banks read that as risk; you read it as a normal quarter.
How Broadway Advance helps
Restaurants run on daily card sales, which is exactly what a merchant cash advance is built around — remittance tracks your revenue, lighter in slow weeks, heavier when the room is full.
What owners use it for
- Replace a failed walk-in, oven, or hood system before it costs you service days
- Cover payroll and rent through the slow season
- Renovate the dining room or build out a patio before peak months
- Stock liquor and food inventory ahead of the holidays
- Fund marketing, delivery platform fees, and POS upgrades
- Open a second location while the first one is hot
See your real number in about five minutes.
Apply nowFunding options that fit restaurants & bars
Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Restaurants & Bars funding questions
Can my restaurant qualify if revenue drops hard in the off-season?
Yes. We look at three months of bank statements, not a single bad month. Seasonal dips are normal in this business and our underwriters know it. A merchant cash advance also fits seasonality by design — remittance is tied to your sales, so a slow February costs you less per week than a packed December. Bring statements that show real deposits and we can usually get you a same-day decision.
Is a cash advance worth it compared to waiting on a bank loan?
An MCA costs more than a bank loan — we will tell you that straight. The question is what waiting costs you. A dead walk-in means spoiled inventory and closed nights; a missed patio season is revenue you never get back. If the money earns more than it costs, speed wins. If you have strong credit and time to wait, ask us about a term loan instead — we broker those too, with rates banks compete on.
Does equipment financing cover used kitchen equipment?
In most cases, yes. The equipment itself is the collateral, so the deal works for ovens, ranges, refrigeration, and dish machines whether new or used from a reputable dealer. Broadway can finance up to 100% of the cost, which means you keep your cash for food, payroll, and the hundred other things a kitchen eats through. Same application: one form, three months of bank statements, soft credit pull.