Financing built for how Restaurant, Bar, Bistro or Cafe businesses grow
Financing for small businesses in the Restaurant, Bar, Bistro or Cafe industry
Merchant Growth’s restaurant financing options are versatile tools that owners can leverage for access to capital when they need it most.
Whether your run a restaurant, bar, pub, bakery, café, ice cream parlour, bistro, or other food business, our restaurant financing options can help. With our Term Financing or Line of Credit you can stock up on inventory, hire seasonal staff, create a new menu, or replace aging restaurant equipment, and then make daily or weekly repayments.
How Can a Restaurant, Bar, Bistro or Cafe Business Use the Funding?
The restaurant industry is known for razor-thin margins and high turnover, which is why credit unions and other financial institutions are reluctant to offer financing to these small businesses, even if they have a track record of success.
When a restaurant needs a business line of credit, or small business loan, banks often impose strict eligibility criteria, such as high personal credit score requirements, which can put these types of business loans out of reach for many business owners.
Merchant Growth understands the needs of businesses in the restaurant industry, which is why we provide a Fixed Financing Solution, similar to term loans, as well as a Business Line of Credit which gives you the freedom to access capital when you need it, repay it when you want to, and borrow again.
Once your restaurant business qualifies for capital from Merchant Growth it can be used for a number of purposes, including:
- Sourcing higher-quality ingredients
- Hiring seasonal employees
- Increasing your inventory
- Purchasing commercial kitchen equipment, furniture, cutlery, dishes
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FAQ
Applying is quick and easy. The application takes less than 5 minutes to complete. Click the “Apply Now” button on our homepage to get started. We’ll ask for some basic information about you and your business, and securely connect to your business bank account to review your revenue.
No. Applying is completely free, with no obligation. You’ll see all available options before making any commitments.
Yes. We conduct a soft credit inquiry on the business owner, which does not affect your credit score. We only perform a hard credit check if you decide to move forward with funding.
To qualify, your business must:
- Be located in Canada
- Have been operating for more than 6 months
- Generate at least $10,000 in monthly revenue
On average, applications are processed within 6–24 hours.
