Working capital, built for restaurant business

Working capital that keeps the kitchen open

The walk-in compressor dies on a Friday, the produce vendor wants COD, and rent clears Monday — all before the weekend's batches settle.

We read your daily card-batch deposits and bank activity — not just your credit — so a slow week doesn't define your file.

We read daily card batches
Seasonality expected, not penalized
Tips & vendor COD are normal here

You may qualify. Approval depends on underwriting. No obligation to accept an offer.

What happens after you check

Reviewed on revenue & bank activity
Share 3–4 months of statements if it looks viable
A specialist follows up — no obligation

We read daily card batchesSeasonality expected, not penalizedTips & vendor COD are normal here

Sound familiar?

The kitchen doesn't wait for the weekend to settle

Most owners don't go looking for capital. They just keep absorbing these — out of the register, out of their own pocket, out of next week.

The walk-in dies mid-prep on a Friday, and the repair tech wants payment before the weekend rush you can't run without it.

With capital already in place, the unit gets fixed the same day and the weekend's covers still happen — instead of comping tables or closing a section.

Your best produce and protein vendors moved you to COD, so the busier you get, the more cash you front before a single check lands.

With working capital on hand, you order ahead of a big weekend without draining the account — and stop letting a vendor's terms cap how much you can sell.

January and the slow weeks still cost a full payroll, and you're the one who eats the gap so the line stays staffed for the rebound.

With a cushion in place, you keep your trained crew through the dip instead of losing cooks you'll have to rehire and retrain in spring.

You may qualify based on your card-batch deposits and bank activity — no obligation, and any payments are structured to fit your cash flow.

60-second cash-flow stress test

How would your cash flow handle a bad week?

Use your average monthly deposits (card batches + cash). Four questions for a live range and a readiness check. Six quick taps — no credit pull, and nothing is saved until you choose to continue. You'll see exactly where your cash flow is exposed, and what to do about it.

Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.

Common uses

What restaurant business owners use working capital for

Kitchen equipment

Repair or replace ovens, refrigeration, and line equipment when capital is in place.

Inventory & vendor COD

Cover food and supplier orders ahead of busy weekends and events.

Payroll through slow weeks

Keep your team paid during predictable seasonal dips.

New location or patio

Fund a build-out, patio, or second location when the timing is right.

Covers & delivery apps

Drive traffic with promotions, delivery platforms, and local campaigns.

Funding options

One conversation. The funding option that actually fits.

There's no single right way to fund a business — it depends on what the money is for and how you get paid. A funding specialist reviews your file and matches you to the option that fits your cash flow, starting with the one most small businesses reach for first.

Working Capital Advance

Business Line of Credit

Best when the need is recurring and you want to draw and repay as cash flow moves.

A revolving limit you draw from when you need it and pay down when you don't, so capital is there for the next gap without reapplying. You only carry what you actually use; access and terms depend on underwriting.

Term Loan

Best when you have a defined, one-time use and want a predictable monthly payment.

A fixed amount repaid over a set term in predictable payments — straightforward to plan around for a specific project or purchase. Amount and term depend on underwriting and the strength of the file.

Equipment Financing

Best when you're buying equipment — new or used — and want to preserve cash.

Finance the truck, oven, chair, or machine so you can put it to work now while keeping cash free for payroll and the day-to-day. The equipment itself typically anchors the deal; new and used both qualify, subject to underwriting.

Invoice Factoring

Best when capital is tied up in unpaid invoices and you can't wait on net-30/60.

Turn outstanding invoices into cash now instead of waiting weeks for customers to pay, so a slow-paying client doesn't stall payroll or your next job. Availability is based on your receivables and your customers' credit, subject to review.

FundVella is not a lender. We connect business owners with funding specialists who review your file and match you to available options. A factor rate is not an APR. You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept an offer.

What we look at

How files are reviewed

Reviews are based on business revenue and bank activity — not a single number. Here's what tends to matter most.

Daily card batches

Steady card-batch and cash deposits matter more than one slow week.

Seasonality

Expected swings — holidays, slow months — are read in context, not penalized.

Vendor & rent timing

How deposits line up against food cost, payroll, and rent.

We factor seasonality and the daily card-batch deposits common to food service.

Is this a fit?

Good fit vs. may need a closer look

A “may need review” doesn't mean no — it just means a specialist will look closer.

Often a good fit

May need review

Time open: 6+ months serving
Time open: Pre-opening or under 3 months
Monthly deposits: ~$15k+ in card + cash
Monthly deposits: Thin or erratic batches
Bank activity: Recovers between slow weeks
Bank activity: Frequent NSFs / negative days
Existing advances: None or one manageable
Existing advances: Multiple stacked advances
Statements: 3–4 months ready
Statements: Can't share statements

How it works

Three steps, no surprises

1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
2
Share recent bank statements if the file looks viable
If the basics line up, share 3–4 months of business bank statements for a proper review.
3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.

Secure submission

Your details are sent over an encrypted connection.

Reviewed by a specialist

A real funding specialist reviews your file — not an instant algorithm.

Revenue-first review

Files are weighed on revenue and bank activity, not credit alone.

No obligation

Prequalifying doesn't obligate you to accept any offer.

Questions

Frequently asked

Does a slow season hurt my chances?

Not on its own. Underwriting expects seasonal swings in food service and looks at your overall deposit pattern across months, not a single slow week.

I run mostly on card sales — does that count?

Yes. Daily card-batch settlements are exactly what a revenue-based review looks at, alongside your business bank activity.

How much funding could my business qualify for?

It depends on underwriting — amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.

Business revenue & deposits
Time in business
Bank activity & existing obligations

What do I need to get started?

Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3–4 months) help move it forward.

Will checking my readiness affect my credit?

Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.

Is there any obligation?

None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.

See what you may qualify for

Start a quick prequalification based on your revenue and bank activity.