Industries we fund · Restaurants
Working capital for restaurant businesses
Restaurants run on tight margins and daily card volume. When a walk-in dies or a slow season hits, payroll and vendors do not wait - and banks rarely move at kitchen speed.
Clearwater places restaurant files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for restaurant business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a restaurant file
Funders read a restaurant file through daily card deposits: consistency matters more than size. A steady $40K-a-month deposit pattern with few negative days prices better than a spiky $70K book. Seasonal dips (January, late summer) are normal and priced in when your trailing four months show the pattern. Multiple small daily batches from POS processors read as healthy; large irregular transfers read as risk.
What restaurant businesses use the capital for
- Kitchen equipment replacement before a failed inspection becomes a closure
- Payroll bridge through a slow season
- Buildout for a second location
- Bulk food-cost buying when supplier pricing drops
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a restaurant business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Restaurants funding questions
Can a restaurant with seasonal revenue qualify?
Yes. Funders price off your trailing four months, and a predictable seasonal dip reads as normal for the industry. Applying just after your strong months usually supports a higher number.
Does heavy card volume help my file?
It does. Consistent daily card batches are the strongest signal in a restaurant file - they show the revenue is real, recurring, and collectable.
What if I already have an advance from my card processor?
Files with an open position are reviewed by a person, not auto-declined. Depending on your deposit load, a second position or a consolidation can both be on the table.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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