Restaurant Funding
Fast funding for restaurant owners.
Apply online in about 3 minutes. Cover equipment, payroll, inventory or a slow season with a same-day decision and funding in as little as 24 hours. No obligation.
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Funding up to $500,000
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Funding in as little as 24 hours
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Decisions based on your sales
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Minimal paperwork
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Simple, clear terms
Merchant Cash Advance
Minimum Requirements
These are the basic criteria to be eligible for a Merchant cash advance with Monark.
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$10,000 in monthly revenue
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550+ Credit score
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6+ months in business
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Business bank account
How Funding Works for Restaurants
Restaurants run on tight margins and steady daily sales, which makes a merchant cash advance a natural fit. You get a lump sum today in exchange for a portion of your future sales. Decisions focus on the money moving through your business, not just a credit score.
What restaurants use it for
- Replacing or adding kitchen equipment
- Covering payroll and supplier costs during a slow season
- Stocking up on inventory ahead of a busy stretch
- Remodeling a dining room or opening a second location
A simple example
Say your walk-in cooler fails and replacing it costs $18,000. Once approved, the funds can reach your account in as little as 24 hours. You pay a set amount over time through small daily or weekly payments, so your cost is known up front. Your exact amount, term and payment depend on your business and your agreement. We walk you through every number before you accept anything.
What happens after you apply
- Apply online in about 3 minutes.
- Get a decision from a funding specialist, often the same day.
- Review your offer with no obligation to accept.
- Get funded in as little as 24 hours after you accept.
Ready to see what you qualify for? See My Options or call (954) 355-6622. Buying one specific piece of kitchen equipment? See equipment financing.
Speak to a funding specialist
Speak with a funding specialist to see what you qualify for. No obligation.
Frequently asked questions
Funding is often same-day, and as little as 24 hours is typical once your documents are in.
To get started, we normally need a short application and 4 months of business bank statements.
Yes. Your offer is based on your recent sales, and we show the payment amount up front so you can check it against your slow months before you accept.
Yes. Many owners use funding for equipment. If you want financing tied to one purchase, see our equipment financing page.
Payments are small and scheduled, so most owners can plan around them. We show you the payment amount up front, and you should only accept an offer that fits your cash flow.
It usually doesn’t affect your credit score. In some cases a soft credit check may be used, and we’ll let you know first.