How Much Can You Qualify For?
Many restaurant and business cash advance products base the amount you can access on your average monthly sales or card processing volume. This guide explains how that typically works and what ranges to expect—without promising a specific number, since amounts vary by lender, product, and state.
How Lenders Typically Calculate Amounts
Lenders often look at your last several months of revenue or card sales, average that to a monthly figure, and offer a percentage or multiple of that amount. So if your average monthly processing is high and consistent, the amount you may qualify for can be higher. Exact formulas and caps vary by provider. Some products offer amounts from a few thousand dollars into the six figures; others have lower maximums. Restaurant cash advance and working capital products work similarly for restaurants and food trucks. See restaurant funding options for more. For concept-specific guidance, restaurant funding by business type; for location, restaurant funding by state.
Requirements (e.g. minimum monthly revenue, time in business) also vary. Restaurant minimum monthly revenue explains typical thresholds. Restaurant funding $250,000 covers larger amounts. Restaurant funding amounts by state explains geographic variation. For restaurant funding approval time, that guide covers how long the process typically takes. Not all applicants qualify; funding is not available in all states. Checking with a provider is the way to see what you may qualify for.
Not all applicants qualify; terms vary by provider. Explore Restaurant Funding Options.
Estimate your monthly payment
Adjust the amount, rate, and term to see a rough monthly payment for restaurant funding.
Estimate only — your actual rate and term depend on your business. Talk to someone for real numbers.
