Funding for restaurants, between the rush and the rent.
Equipment that failed on a Friday, a build out, a slow February, a second location. Advances, equipment financing and lines of credit for restaurants, pizzerias, bars, caterers and food trucks. Apply in two minutes with no hard credit pull.
Applying won’t affect your credit score. Accepting an offer may involve a hard inquiry.
Why this industry runs short.
A restaurant's money moves faster than almost any other business and stays in the account for less time. Sales land daily. Food costs, labor, rent, insurance and the vendors all leave on their own schedule, and none of them care that last Tuesday was slow. The margin is real but thin, and it lives inside a week rather than inside a quarter.
Which is why the problems that actually close restaurants are timing problems, not profitability problems. A walk in compressor fails on a Friday in July. The hood system does not pass inspection. The landlord wants the renewal signed with a deposit. The second location needs forty thousand dollars of equipment eight weeks before it takes a single order.
North Jersey adds its own pattern. A dining room near an office corridor empties in August and fills in September. A shore kitchen earns in five months and pays rent in twelve. A BYO on a main street competes with the same delivery apps that take a share of every order they bring.
Funding here is about getting through a known week or a known season with the doors open, priced honestly, and remitted out of the sales that come in after.
Here is what Batch does about it. Money against the deposits already moving through the account, on a schedule that fits how this industry actually gets paid. Read about how we fund businesses, or keep going for the numbers.
The six reasons this phone rings.
The money is not earmarked. These are the six things it usually goes to.
Equipment that failed
A walk in, a hood, a fryer bank, a POS. Service calls do not schedule themselves and a kitchen that cannot cook is a kitchen that cannot earn. Fund the replacement this week.
Build out and renovation
A new dining room, a bar, a patio or a full second location. The money goes out for eight weeks before the first ticket is printed.
Slow season
February in a lunch district or January at the shore. A line of credit carries the quiet weeks without eating the summer's cash.
Inventory and a big catering order
A large event needs food, staff and rentals bought before the deposit clears. Fund the order and remit from the payment.
Payroll through a soft stretch
Kitchen staff do not wait on a better month. Covering two pay cycles keeps a crew that took a year to build.
Taxes, rent and a lease renewal
Sales tax, a deposit, a landlord who wants a year of personal guarantee behind the renewal. These all arrive at once and they all want cash.
Four ways to fund it, side by side.
Our panel's terms as of 2026-09-28. Every offer you receive shows the payback amount and the Estimated APR next to each other.
| Amount | How you pay it back | Typical time to funds | Best for | |
|---|---|---|---|---|
| Merchant cash advance | $5,000 to $2,000,000 | A fixed daily or weekly remittance until the payback amount is met. Factor rate 1.25 to 1.50, with the Estimated APR shown on every offer. | As fast as same day1 | A short gap with a known end |
| Business line of credit | Set per file by the provider | Draw what you need. Interest only on what is outstanding, weekly or monthly. | As fast as 1 to 3 days1 | A gap that keeps coming back |
| Term loan | Up to $5,000,000 through our bank partner | Fixed payments over up to 12 years, from 8.77% APR | As fast as 3 to 7 days1 | A planned investment with steady deposits behind it |
| Equipment financing | Set by the vendor quote | Monthly payments over 2 to 7 years. The equipment is the collateral. | As fast as 2 to 5 days1 | A machine, a vehicle or a buildout |
Figures as of 2026-09-28.
Run the arithmetic.
Every figure below is computed by the same math the desk prices an offer with. Every figure is an estimate, not an offer.
The walk in that died on a Friday
A replacement walk in cooler and the install, quoted at $18,000. An advance of $20,000 at a factor of 1.35, remitted daily over five months.
- Estimated advance
- $20,000
- Estimated payback amount
- $27,000
- Estimated cost of capital
- $7,000
- Estimated daily remittance
- $250.00 for 108 business days
- Estimated APR
- 151% (actuarial); simple annualized 84%
A closed kitchen in July costs more per day than the entire cost of capital here. The remittance comes out of the sales the open kitchen makes.
Estimates only. Your offer depends on the funding provider’s review of your statements.
The second location build out
Equipment, furniture and eight weeks of rent before opening. An advance of $75,000 at a factor of 1.30, remitted weekly over nine months.
- Estimated advance
- $75,000
- Estimated payback amount
- $97,500
- Estimated cost of capital
- $22,500
- Estimated weekly remittance
- $2,500.00 for 39 weeks
- Estimated APR
- 72% (actuarial); simple annualized 40%
The first location's deposits carry the remittance while the second one ramps. A term loan is cheaper if the timeline allows for the longer underwriting, and we will tell you when it does.
Estimates only. Your offer depends on the funding provider’s review of your statements.
No hard credit pull to apply.
Estimates only. Results depend on the figures you entered and standard assumptions. This is not an offer or a guarantee of funding, does not determine eligibility, and should not be relied on as an accurate statement of the terms available. Actual terms depend on underwriting.
Five things your file is read for.
A funder does not read a business plan. It reads the bank statements. Here is what it looks for, in the order it looks.
- 01
Daily deposits, not annual profit
Funders read the business account month by month. A restaurant doing about $10,000 or more a month in deposits is inside our panel's floors as of 2026-09-28, whatever the tax return says.
- 02
Card volume and the processor
Card settlements are the cleanest revenue signal a restaurant has. One processing statement alongside the bank statements usually improves the offer, and it is how a card based advance is sized.
- 03
Negative days through the slow week
5 negative days and 5 returned items a month is workable. A restaurant that rides the edge every Tuesday is a narrower file, not a closed one.
- 04
Time in business and the lease
3+ months opens the door, 6 is typical. A lease with real term left on it matters to a funder sizing anything beyond a short advance.
- 05
Existing advances
Restaurants are the most heavily solicited businesses in the country and stacked positions are common. Tell us what is already remitting. It changes which funders will look at all.
Do you meet the basics?
- 3+ months in business (6 typical)
- $10,000+ a month in deposits into the business account
- Credit of 500+, checked with a soft pull
Our panel’s floors as of 2026-09-28. Meeting them does not guarantee an offer. Missing one does not always rule you out.
Written for the operation, not the category.
Each one gets paid on its own rhythm. The funding should match it.
Full service restaurants
Rent, labor and food cost all moving at once. The classic file for a working capital advance with a short, known term.
Pizzerias and quick service
High ticket count, steady card volume, equipment that runs hot and fails hard. Deposits read very cleanly in the statements.
Bars and taverns
Licenses, seasonality and inventory that has to be bought before it is poured. A line of credit fits the cycle better than a lump sum.
Caterers and food trucks
Lumpy revenue by design. Funding bridges the gap between buying for an event and being paid for it.
Bakeries and cafes
Early hours, small tickets, expensive ovens. Equipment financing usually does more here than a working capital advance.
Multi location groups
Two or more rooms means two or more sets of fixed costs. Larger files, longer terms, and a term loan is often the right answer instead of an advance.
Funded in four steps.
Apply in two minutes
A short application on this site. No hard credit pull to apply.
Send three months of statements
Business bank statements, a voided check and a government ID. Add the quote or contract if the money is for something specific.
Compare offers, true cost side by side
Every offer shows the payback amount and the Estimated APR next to each other, whatever the product.
Get funded as fast as same day¹
Accept the offer that fits. The funds land in the business account.
Matt reads the file himself, the same day it comes in. He looks at the deposits, the balance days and whatever the money is for, and he calls you with a straight read on what the panel will do. If the file is a fit, it goes to the funders who write your industry and your size. If it is not a fit yet, he tells you what to fix and when to come back.
Offers come back side by side. Each one shows the amount, the payback amount, the remittance schedule and the Estimated APR in the same place. You pick one or none. Nothing is signed until you say so.
What restaurants and food service ask before they apply.
Batch Capital places working capital advances, equipment financing and lines of credit for restaurants and food service businesses, sizing each file on deposits and card volume rather than on profit shown at the end of a year.
Can I get funded if I have been open less than a year?
Is this based on my credit card sales?
What does it cost?
I already have an advance. Can I get another?
Will the funder contact my landlord or my vendors?
How fast can equipment get funded?
Tell us what the money is for. We will place it.
Two minutes to apply, no hard credit pull, and a person in New Jersey who picks up.
Reviewed by Matt Curran, Director of Batch Capital
Matt runs Batch Capital's underwriting desk. He reads every file himself, prices it the way it will actually be funded, and tells a business what it can get before anything is signed. He also runs the nurture program that turns a declined merchant into a fundable one.
Last updated · Batch Capital, NJ · +1 (201) 937-9628
This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.
Batch Capital
NJ
Mon to Fri, 8 AM to 6 PM Eastern
Batch Capital funds advances directly and also places applications with funding partners. On a partner-funded file the partner sets the terms and may pay Batch Capital.
1 Timing depends on the funding provider and how quickly documents arrive. Files with a complete application and three months of statements received before 2 PM Eastern on a business day are the ones that decide and fund fastest. Not every file funds in a day.