Restaurants & Food Service
Fund the slow season before it starts.
Thin margins, seasonal dips, a walk-in that dies on a Friday night. AXIS funds the gap, with decisions the same day and funding in as little as 24 hours.
Typical funding for Restaurants & Food Service
- Merchant Cash Advance
$10K to $500K · funded in 24 hours
- Equipment Financing
$15K to $1M · funded in 2 to 5 days
- Business Line of Credit
$10K to $250K · funded in 1 to 3 days
What owners use it for
What Restaurants & Food Service owners use funding for.
Restaurant revenue swings with the season, the weather and the neighborhood's mood on a Tuesday night. AXIS underwrites off what your POS and card processor actually show, not just a credit report.
- Kitchen equipment and repairs
- Patio, remodel and second-location build-outs
- Bulk inventory ahead of the busy season
- Payroll and rent through slow months
Which product fits
Funding built for Restaurants & Food Service.
Three structures that show up most often for this industry. An advisor helps you pick based on your file.
Illustrative example
How the numbers can work.
A sample scenario, not a quote. Your amount, product and terms depend on your revenue and file.
Example: A single-location restaurant sees revenue drop roughly 30% every January and February, well below the patio season that carries the rest of the year. The owner takes a merchant cash advance to cover payroll and rent through the slow months, repaid as a share of daily card sales. By spring, the advance is paid down and the kitchen is stocked for the season that pays the year.
| Monthly revenue | $80,000 |
|---|---|
| Amount funded | $60,000 |
| Product | Merchant Cash Advance |
| Funding time | 24 hours |
The tightest stretch is typically January through March, before patio season rebuilds revenue.
Who qualifies
Qualifying as a Restaurants & Food Service business.
- 6 months or more in business
- $10,000+ in average monthly revenue
- Personal credit score of 500+ considered (revenue matters more than the number)
- A current health permit or food service license on file.
Related reading
Read before you apply.
More on how this product works and what to expect before you apply.
Straight answers
Questions restaurants & food service owners ask.
Do seasonal restaurants qualify for funding?
Yes. We read monthly revenue trend, not a flat average, so a strong summer season can support financing that carries a slower winter.
Can I use funding for a build-out or remodel?
Yes, a term loan or equipment financing typically fits a patio, remodel or second-location build-out better than a short-term advance.
What if my restaurant has been open less than a year?
Our floor is 6 months in business with consistent monthly revenue. Under that, an advisor can tell you what to expect once you cross it.
Do you require a health permit or business license on file?
Typically, yes, along with 3 to 4 months of bank or POS statements.
Can I get funding for a second location?
Yes. Expansion is one of the more common uses for a term loan or line of credit once the first location has a revenue history.
Other industries
Funding for other trades that run on cash flow.
Funding built for Restaurants & Food Service. Fast.
Two-minute application. Same-day decision. Funding in as little as 24 hours.
Soft credit pull. No obligation. No impact to your score.