Industry funding
Funding for restaurants & food service
Typical advances of $10,000 – $250,000, underwritten on your deposit history rather than your credit file.
Restaurants can use a merchant cash advance to cover equipment repair, seasonal payroll, inventory, or a build-out, with daily or weekly remittances. GLD Funding typically provides $10,000 to $250,000 in funding to restaurants, subject to underwriting based on business performance, cash flow, and other applicable factors.
Common uses in restaurants
- Kitchen equipment repair or replacement
- Seasonal staffing and payroll gaps
- Inventory and supplier deposits
- Dining room build-out or expansion
- Bridging a slow month
Why underwriting understands this trade
Every industry has a cash-flow shape, and a bank's credit model tends to read that shape as risk. A restaurant's deposits can look erratic month to month even when the year is healthy — February is not July.
We have funded this trade for years, so the pattern reads as normal rather than as a red flag. That is the practical difference between applying here and applying to an institution that has never underwritten your sector.
What to expect
Advances for restaurants & food service typically run $10,000 – $250,000, with terms of 3 to 18 months and remittances collected daily or weekly.
Cost is expressed as a factor rate. Your own rate depends on underwriting, and every offer comes with a written disclosure of the total dollar cost.
See what your business may qualify for
Answer a few simple questions to get started. No credit inquiry during the eligibility check.
From this industry
Owners we've funded in restaurants.
Individual results vary. Testimonials reflect the experience of specific clients and are not a guarantee of approval, terms, or outcome.
Questions
Restaurants funding, answered.
How much funding can a restaurant business get?
Restaurants & food service may qualify for $10,000 – $250,000 at GLD Factoring LLC DBA GLD Funding. The amount is driven by average monthly deposits rather than credit score.
How fast can a restaurant business get funded?
Once we have a complete file, underwriting moves quickly and same-day funding is available on signed contracts. Actual timing depends on underwriting and your bank.
What do I need to apply?
4 months of recent business bank statements, plus basic business and owner details, to get started. Additional documents may be requested if your file needs them.
Do I need good credit?
We look beyond just a credit score. Underwriting reads business performance and cash flow to understand how the business actually moves money. A prior bank decline does not determine the outcome here.
Other industries
We fund these too.
Ready to see your range?
Advances from $10,000. Answer a few simple questions to get started.