Capital for restaurant operators.
Same-day working capital, equipment financing for kitchen build-outs, and growth capital for second locations — placed through lenders who understand thin margins and seasonal swings.
Overview
Restaurants capital, structured for how operators actually work.
Restaurants live or die on cash flow. Summit places working capital with lenders that underwrite credit card and POS deposit volume — not just credit scores — and finances kitchen equipment, build-outs, and acquisitions through asset-backed structures designed for the hospitality cycle.
Industry Challenges
What we underwrite that banks won't.
Banks treat restaurants as high-risk and decline most independent operators. Revenue-based and asset-backed lenders fill the gap.
Summer patios, holiday catering, school-year dips — revenue-based repayment scales with daily deposits so payments don't crush slow weeks.
Multiple short-term advances compound holdback. Consolidation into longer-term capital restores margin.
Recommended Capital
Best-fit funding for restaurants.
Revenue-based working capital sized to your daily credit card and bank deposits. Approval in hours, funding in 24–72.
Finance kitchen equipment, walk-ins, POS, and FF&E with 0–10% down and terms up to 84 months.
Revolving capital for inventory, payroll smoothing, and seasonal gaps. Pay interest only on what you draw.
Frequently Asked
Questions from restaurants operators.
Can I get funded with bad personal credit?+
Yes. MCA and revenue-based products typically approve owners with credit as low as 500 when deposit volume is strong and consistent.
How much can I qualify for?+
Working capital usually sizes to 1–2x average monthly deposits. A restaurant doing $80K/mo in deposits typically qualifies for $80K–$160K.
Can I consolidate multiple MCAs?+
Yes. Summit specializes in restructuring stacked advances into single longer-term facilities to restore margin and cash flow.
Next Step