Capital that opens
before Friday service.
Same-day working capital sized to your POS and card deposits. Equipment financing for kitchen build-outs. Consolidation of stacked MCAs — placed through lenders who underwrite thin margins and seasonal swings.
Pre-Qualify
Get indicative get working capital terms.
60-second pre-qualification. No credit pull. A Summit advisor responds within one business day.
The Reality
Your POS is your underwriting file.
Banks won't read it. We will.
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.
What You Actually Qualify For
$80K/month in card + ACH deposits. Three offers.
Most independent restaurants are auto-declined regardless of deposit volume.
Revenue-based remit (8–15% holdback) that scales with daily deposits.
Pays off stacked MCAs into one longer-term facility. Restores margin.
A second location, an oven replacement, a slow January — the operating reality is daily. Capital should match the cadence.
Recommended Capital
The three structures restaurant operators reach for.
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.
From Behind the Pass
What restaurant owners actually ask us.
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