Financing for restaurants
A restaurant has no invoices to borrow against — its capital is in the room, the kitchen and the season. Voxen Capital structures working capital around deposit flow: business lines of credit from $10,000 to $1,000,000 set up in 3 to 7 business days, and merchant cash advances from $10,000 to $1,000,000 approved on banking deposits in 24 to 72 hours, with remittances that follow sales instead of fighting them.
Start an applicationWhy restaurant financing is different
Restaurants earn daily and spend in lumps: a walk-in dies, a patio season opens, a renovation cannot wait for a slow quarter. Traditional lending wants two years of clean statements and a predictable margin — the exact things a busy independent restaurant rarely has on paper.
What a restaurant does have is deposit flow. Card settlements land daily, and that stream is underwritable: a line of credit sized to it covers the recurring swings, and a revenue-based advance can fund a one-time push with remittances that shrink when sales dip.
The structural mistake is fixed monthly payments against seasonal revenue. The right instrument follows the season — draw in the slow months, repay in the strong ones, and keep fixed obligations off the slowest weeks.
Hospitality segments we structure financing for
- Independent restaurants and small groups
- Cafés, bakeries, and quick service
- Bars and breweries with food programs
- Catering operations
- Franchisees funding renovations or second units
- Seasonal and tourism-driven locations
How restaurant financing works at Voxen
- Send six months of bank statements — Deposit flow drives the file — no business plan required. Card settlement volume, seasonality, and existing obligations set the structure.
- Offer within 24 hours — Working-capital files at Voxen typically receive a structured offer within 24 hours of a complete submission.
- Choose the structure that fits the need — A revolving line for recurring swings; an advance for a one-time project priced per file. An advisor walks through both before anything is signed.
- Funded in 24 hours to 7 days — Advances fund in 24 to 72 hours; lines of credit are typically live within 3 to 7 business days.
The products restaurants use
A line of credit carries the recurring swings; a revenue-based advance funds the one-time push. The right answer is often sized against the season, not the average month.
| Business Line of Credit | $10K–$1M · 3–7 business days |
|---|---|
| Merchant Cash Advance | $10K–$1M · 24–72 hours |
Frequently asked questions
My credit is bruised but the restaurant is busy. Can I qualify?
Often, yes. Revenue-based advances are approved on deposit strength — consistent card settlements carry the file even when personal credit has taken hits. Lines of credit weigh credit more heavily, so many operators start with an advance and refinance as the file strengthens.
How do repayments work on an advance?
A merchant cash advance is repaid as a fixed portion of daily or weekly deposits, so remittances shrink in slow weeks and rise in strong ones. The total cost is quoted per file before you sign — no rate tables, no surprises after funding.
Can I finance kitchen equipment separately?
Yes — ovens, refrigeration, and kitchen lines can be financed as equipment from $10,000 up, secured by the equipment itself, which usually prices better than unsecured capital. Many renovation files pair equipment financing with a line of credit for the build-out.
How fast can a restaurant actually get funded?
A complete file — six months of statements, ID, void cheque — typically sees an offer within 24 hours. Advances fund in 24 to 72 hours; lines of credit within 3 to 7 business days.