FynFund · Seasoned Merchant Funding
Working capital, equipment financing, renovation loans, and MCAs for seasoned restaurant, bar, and food-service operators. $10K to $2M.
Restaurants are the hardest small-business category to operate profitably — and the hardest to finance. 60% fail in the first 3 years. If you've made it 5, you've already proven the hard part. FynFund connects you to funders who understand restaurant margins, seasonal cash flow, and the real cost of a new walk-in cooler at 2am.
Lenders in our network actively want restaurant deals. They know your margins, seasonality, and credit-card mix — no rate penalty for being in food service.
Finance new or used restaurant equipment at 85-100% of invoice. Coolers, hoods, stoves, ice machines, POS systems, espresso rigs — all qualify.
Patio build-outs, bar upgrades, kitchen remodels — term loans and MCAs sized to the project. Financing available before construction starts.
Lines of credit and flexible MCAs that understand slow months. Payments flex with revenue so you're not crushed in January.
For operators opening unit 2 or 3, we specialize in SBA 7(a) and alternative term loans that fund build-outs, equipment, and working capital in one package.
Same-day MCAs for emergency repairs (fridge down, hood compliance). 3-5 day term loans for planned purchases. SBA for major expansion.
Concept, years open, monthly revenue, what you need the money for. 5-minute application, soft credit pull only.
Your specialist routes the file to funders with active appetite for restaurant deals — no wasted submissions.
Most restaurants receive 3-6 offers within 24 hours. Pick the best, sign, and get funded in as little as same-day.
Restaurants face a funding paradox: the banks that would offer the cheapest money (SBA, community banks) are the most cautious about the industry. Community banks classify restaurants as 'high-risk' because of the well-known failure rate. That policy applies whether you're a 6-month startup or a 15-year institution. If you've survived 5 years in this business, you deserve a funder who treats you like the survivor you are, not the statistic.
FynFund's restaurant funding network specifically includes lenders who price risk on your actual numbers — bank statement health, credit card processing volume, average ticket, number of locations — not on industry classification. For a 5+ year restaurant with $40K+ monthly revenue, we routinely place MCAs at 1.18-1.32 factor rates, equipment financing at 85-95% LTV, and term loans at 12-18% APR. Those are rates most restaurant owners assume don't exist for them.
The right product depends on the need. Emergency equipment failure (walk-in goes down, hood fails inspection) — MCA or equipment financing, 24-72 hour funding. Planned renovation — term loan or SBA if you have 60+ days. Seasonal working capital — revolving line of credit, draw only when needed. New location build-out — SBA 7(a) up to $5M, or a term loan + equipment financing combo for faster close. Payroll bridge during slow months — short-term MCA or a LOC draw.
A specific note on multi-unit expansion: the jump from 1 location to 2 is the hardest to finance. Lenders want to see 12+ months of profitability at unit 1 before funding unit 2. If you're past that threshold, SBA 7(a) is typically the cheapest option and we'll steer you there. If you need to move faster than SBA's 60-120 day close, alternative term loans and equipment financing can close in 5-10 days.
Depends on use: SBA 7(a) for expansion and new locations (cheapest, slowest). Term loan for renovations and major equipment (fast, moderate cost). Line of credit for seasonal cash flow (flexible, moderate cost). MCA for emergencies and when speed matters most (fastest, highest cost). We recommend based on your specific situation.
Yes. Equipment financing is available at 85-100% of invoice for new or used restaurant equipment. Typical term: 3-5 years. Minimal down payment for 5+ year operators.
Yes. Food trucks and mobile food businesses qualify for the full product range — working capital MCA, equipment/truck financing, and expansion loans.
Not if you're 5+ years in and the seasonality is consistent. Lenders look at 3-month averages, not single bad weeks. Many funders specifically underwrite around restaurant seasonality.
Possible but not optimal. MCAs are expensive for 6-12 month projects. A term loan or SBA is usually 3-5x cheaper for renovation. We'll recommend the best fit — not just the fastest.
Prior MCAs don't disqualify you. Many funders specifically do 'reverse consolidation' deals to pay off existing positions at better terms. Tell us about any current stack when you apply.
Yes. Bars, nightclubs, breweries, and cocktail lounges all qualify. We route to funders who specifically fund bar concepts (some MCA funders exclude bars, ours don't).
Multi-unit operators routinely qualify for $500K-$2M in working capital MCAs. SBA 7(a) can go to $5M for expansion. Specific amounts depend on total revenue across locations.
For MCAs and most alternative term loans: no collateral. For SBA 7(a): personal guarantee required, collateral if available (real estate or equipment). For SBA 504: real estate purchase is the collateral.
Yes. The SBA Veterans Advantage program waives the guaranty fee on SBA 7(a) loans up to $350K for veteran-owned businesses. Several of our MCA funders also price vet-owned deals at preferred rates. Identify yourself as a veteran when you apply.
Soft credit check. No SSN required upfront. Free to apply. Match with up to 20+ lenders in minutes.
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