Options for Financing a Restaurant, Bar, Bistro,or Cafe

Cook up something new with our restaurant financing options!

Flexible Financing for Restaurant Owners

Merchant Growth’s restaurant financing options are versatile tools that owners can leverage for access to capital when they need it most. 

For example, restaurants, bars, pubs, bakeries, cafés, ice cream parlours, and bistros accept debit and credit from customers every day. The power of those transactions can be put to great use. Whether you need business financing to stock up on inventory, hire seasonal staff, create a new menu, or replace aging restaurant equipment, our restaurant financing options can help.

How Quick Restaurant Financing Helps

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 merchant cash advance, 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 fixed financing solutions, similar to term loans, as well as a 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:

Small business funding minimum requirements

Merchant Growth offers small business funding options with minimum eligibility requirements:



Monthly Revenue


Time in Business

6 months

How Does It Work?


Complete Application

You can choose to give some details either through the online application or over the phone, and it will only take you 5 minutes.


Review Options

Our team will reach out and work with you to determine the best solution.


Get Funds

Receive your funds in as fast as 24hrs after approval.

Get Started Today

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