Restaurants
Working capital for restaurants
A walk-in that dies on a Friday, payroll after a slow month, a patio build-out before the season. Working capital for restaurants, cafés, bars and food trucks — underwritten on your deposits, not tax returns, with funds in as little as 24 hours after you sign.
- Restaurants, cafés, bars & food trucks
- Card and cash deposits both count
- No lien on your kitchen
- Terms the same day
Updated September 3, 2026
Can a restaurant get working capital fast?
Yes — Avanti Equipment Finance provides working capital of $10K to $250K to restaurants, cafés, bars and food trucks, underwritten on three months of business bank statements rather than tax returns. Card-processor and cash deposits both count, there is no down payment and no lien on kitchen equipment, every credit profile is considered, and terms come back the same day the statements arrive with funds in as little as 24 hours after signing.
3-min
Application
24-hr
Funds in as little as
$250K
Up to
24-mo
Terms up to
Why finance with Avanti
Restaurants run on thin margins and hard timing: the equipment fails on the busiest night, the tax bill lands in the slowest month, and the good opportunity — a second location, a liquor license, a catering contract — never waits for the bank. Working capital is built for that gap. Three months of business bank statements is the whole application, and card-processor deposits count the same as cash. No tax returns, no down payment, and no lien on your kitchen equipment or your lease. Terms usually come back the same business day the statements arrive, the money is wired once you sign, and repayment runs on a fixed schedule you see in plain numbers before committing. If the deposits support the request, there's a structure; if they don't, we'll tell you straight.
At a glance
- Amounts
- $10K – $250K
- Terms
- 6 – 24 months
- Time in business
- 1+ year
- Funds in
- As little as 24 hrs
How it works
1
Apply in three minutes
Business name, monthly revenue, what it's for, and a quick credit-based pre-qualification. No tax returns to start.
2
Send three months of bank statements
All pages, PDF downloads from your online banking. Attach them to the application and the review starts right away.
3
Terms the same day
A real person calls with the amount, term, and total cost in plain numbers — no surprises in the fine print.
4
Funds in as little as 24 hours
Sign, and the money is wired to your business account on a payment schedule you saw before signing.
Frequently asked questions
What can a restaurant use working capital for?
Anything the business needs: payroll, a walk-in or hood replacement, inventory before a holiday, rent or taxes in a slow month, a patio or dining-room refresh, marketing, or the deposit on a second location.
Do card-processor deposits count as revenue?
Yes. Deposits from your card processor, delivery apps and cash all count. What matters is what lands in the business bank account each month.
Is this a merchant cash advance?
Not exactly — some working capital is structured as an advance on receivables, some as fixed-term financing. Either way you see the total cost and payment schedule in plain numbers before you sign, and there is no lien on your equipment.
My restaurant is seasonal. Does that hurt?
Not by itself. The review looks at three months of deposits, so applying when the account shows your normal volume gives the clearest picture. A representative can talk through the timing.
How long do I need to have been in business?
At least one year, with deposits going into a business bank account. Newer and buying equipment? Ask about startup equipment financing instead.
How fast can I get funded?
Terms usually come back the same business day your bank statements arrive; funds land in as little as 24 hours after you sign. Attach the statements to the application and the review starts the moment you submit.
Related financing
- Working capitalPayroll, inventory, repairs and slow months — for any business, funds in as little as 24 hours.
- Working capital for contractorsMaterials, payroll and the wait for a draw, with no lien on your equipment.
- Working capital for trucking & towingFuel, repairs, tires and slow-paying invoices — factoring deposits count.
- Working capital vs. a bank line of creditWeeks vs. days, tax returns vs. statements, revolving vs. fixed term.
Working capital products are subject to credit-based pre-qualification, bank statement review, and final approval. Amounts, terms, and cost vary by business and state. Not available in all states. This is a commercial financing offer only; no consumer financing is provided.