How to Get Funding for Your Restaurant in 2026
Restaurant owners have more funding options than ever — but the fastest path for most is a merchant cash advance.
Why restaurants struggle to get traditional bank loans
Banks love stable, predictable businesses. Restaurants are neither — high failure rates, thin margins, and seasonal cash flow make traditional lenders nervous. Even profitable restaurants routinely get turned down for bank loans because underwriters cannot get comfortable with the industry.
The fastest option: merchant cash advance
A merchant cash advance is the most common and fastest funding solution for restaurants. MCA funders look at your monthly deposits, not your credit score. A restaurant doing $80,000 to $150,000 per month has a strong profile — regardless of personal credit history.
Most restaurant clients at Max Funding are funded within 24 hours. Repayment is a percentage of daily deposits — slow days cost you less than busy ones. No collateral required.
How much can a restaurant get?
Max Funding works with restaurant advances from $50,000 to $500,000 — typically 1x to 1.5x your average monthly gross revenue.
What do you need to apply?
Last 4 months of business bank statements and a completed application. No tax returns, no business plan, no collateral.
What restaurants use funding for
Equipment repairs and replacements, kitchen renovations, inventory for a busy season, covering payroll during a slow month, opening a second location, and marketing launches.
How to get started
A direct conversation with Joel Carbajal. Joel works personally with every restaurant client — no call centers, no runaround. You will know where you stand the same day you reach out.
$50K to $500K in as little as 24 hours. Checking your rate will not affect your credit score.
Get funded in 24 hours