Restaurants, bars, cafes, and bistros

Cook up something new with our Restaurant financing!

Financing for small businesses in the Restaurant Industry

Merchant Growth’s financing options are versatile tools that you can use to grow. Restaurants, Pubs, Bakeries, Cafés, Ice Cream Parlours and Bistros are ideal candidates for the program because they accept debit and credit from customers every day. 

Whether it’s a restaurant loan, a loan for your pub, cash for inventory for your coffee shop, seasonal staffing, upgrading equipment , or overhauling a menu our restaurant financing options can help. As restaurant owners know, many small businesses in the industry fail within their first year. For this reason, maintaining a constant vigilance and a healthy balance sheet is necessary to thrive. Restaurants need working capital to address their always changing financing needs and we have the products to help service the unique needs of your business.

How can I use the financing?

In the restaurant industry there could be a variety of important needs to address for your business, and with razor thin margins it’s important to allocate that capital appropriately. Whether it is getting restaurant equipment, hiring seasonal employees, or making the final touches to your business we are here to help.

Merchant Growth understands the growing needs of businesses in this industry, which is why we provide both a fixed solution similar to that as a term loan or our flex solution that works as your payment automatically adjusts to match your business cycle. Once your restaurant business qualifies for capital from Merchant Growth it can be used for a number of purposes, such as:

Minimum Requirements

Minimum eligibility requirements for Merchant Growth small business products



Monthly Revenue


Time in Business

6 months

How does it work?


Complete Application

Take 5 minutes to provide a few pieces of information — online or on the phone, it’s your choice.


Review Options

Your dedicated financing advisor will reach out and work with you to determine the best solution.


Get Your Funds

Receive your funds into your business bank account in as fast as 24 hours.

Get started today

Complete our online application and we’ll contact you to present financing options tailored to your business needs.