Fast working capital for restaurants, cafes, and food service businesses. Get $15,000 to $150,000 based on your daily sales, not your credit score.
$15K to $150K Funding
Same-Day Approval
No Collateral Required
Funds in 24 Hours
Apply NowNo hard credit pull. Takes less than 5 minutes.
Working Capital Built for the Restaurant Business
Running a restaurant means managing cash flow that almost nothing else can prepare you for. A slow week, a broken refrigerator, or a staffing shortage can strain your finances overnight. Traditional banks rarely move fast enough to help when it matters.
Most restaurant owners are rejected by banks because of inconsistent revenue, tight margins, or credit scores that don't tell the full story. Trulo Capital's merchant cash advance works differently. We evaluate your restaurant based on your daily credit card sales and bank statement history. You can access $15,000 to $150,000 with same-day approval and funding deposited as fast as 24 hours. Repayment is tied to a fixed percentage of your daily card sales, so you pay less on slow days and more when business is good.
How Restaurant Owners Use MCA Funding
There are no restrictions on how you use your funds from Trulo Capital. Restaurant owners typically use working capital for:
Restocking food, beverage, and supply inventory
Repairing or replacing kitchen equipment
Covering payroll during slow seasons
Renovating the dining room, bar, or outdoor patio
Launching a catering or delivery service
Bridging cash flow between high and low seasons
Running marketing campaigns or promotions
Hiring and training staff before peak periods
How It Works
From application to funding in as little as 24 hours. No branch visits, no loan committees.
Step 1
📋
Apply
Fill out a one-page application in minutes. Have 3 months of business bank statements ready.
Step 2
📞
Get an Offer
A funding advisor reaches out within a few hours to walk you through your options.
Step 3
💸
Get Funded
Once you approve an offer, funds are deposited into your account. Often within 24 hours.
Step 4
📈
Repay as You Earn
A fixed percentage of your daily card sales is applied toward your balance. Less on slow days, more on busy ones.
Approval is not based solely on your credit score. We look at the overall health of your restaurant business.
600+ Credit Score
FICO score of 600 or above to qualify
12+ Months in Business
At least one year of restaurant operation
$20K+ Monthly Revenue
Average monthly revenue of $20,000
Healthy Cash Flow
Verified with your last 3 months of business bank statements
Even if you don't meet every requirement, it's worth applying. We review each application individually.
Types of Restaurants We Fund
Trulo Capital works with food service businesses of all sizes and formats. If your restaurant processes credit and debit card sales, you are likely a good fit for a merchant cash advance.
🍽️ Fine Dining
Upscale restaurants with higher ticket sizes and seasonal cash flow swings. MCA funding helps cover renovations, staff, and premium ingredient costs between busy periods.
🍔 Fast Food and Quick Service
High-volume operations where equipment downtime costs real money. Get fast funding to replace fryers, POS systems, or expand to a second location.
☕ Cafes and Coffee Shops
Espresso machines, grinders, and seating upgrades are capital-heavy. A merchant cash advance lets you invest without waiting on bank timelines.
🍕 Pizzerias and Delis
Whether you need a new deck oven, a delivery fleet, or extra staff for game day, MCA funding moves as fast as your kitchen does.
🚚 Food Trucks
From vehicle repairs to commissary fees and event permits, food truck operators face unique cash flow gaps. We fund mobile food businesses too.
🍻 Bars and Casual Dining
Cover inventory for busy weekends, pay for patio expansions, or bridge the gap during slow seasons without a fixed monthly loan payment.
Restaurant MCA vs. Bank Loan
Traditional bank loans are not built for the restaurant business. Here is how a Trulo Capital merchant cash advance compares.
Trulo Capital MCA
Bank Loan
Approval time
✓ Same day
– 2 to 8 weeks
Funding speed
✓ As fast as 24 hours
– Weeks after approval
Credit score required
✓ 600+ accepted
– Usually 680 or higher
Collateral
✓ Not required
– Often required
Repayment
✓ % of sales
– Fixed monthly payment
Application
✓ One page, online
– Extensive paperwork
Revenue-based approval
✓ Yes
– No
Approval time
Trulo MCA
Same day
Bank Loan
2 to 8 weeks
Funding speed
Trulo MCA
As fast as 24 hours
Bank Loan
Weeks after approval
Credit score required
Trulo MCA
600+ accepted
Bank Loan
Usually 680 or higher
Collateral
Trulo MCA
Not required
Bank Loan
Often required
Repayment
Trulo MCA
% of sales
Bank Loan
Fixed monthly payment
Application
Trulo MCA
One page, online
Bank Loan
Extensive paperwork
Revenue-based approval
Trulo MCA
Yes
Bank Loan
No
Restaurant Funding Questions and Answers
Can I get a merchant cash advance for my restaurant if I have bad credit?
Yes. Trulo Capital approves restaurant funding based primarily on your daily credit card sales and bank statement history, not just your FICO score. Many restaurant owners with credit scores in the 600s qualify for funding. If your restaurant has been open for at least 12 months and processes consistent card sales, you have a strong chance of approval.
How much can my restaurant borrow?
Trulo Capital funds restaurants from $15,000 to $150,000. The exact amount depends on your average monthly credit card volume and overall bank statement health. During your call with a funding advisor, they will walk you through how much you are eligible for and what the repayment would look like for your specific business.
How fast will I receive the funds?
Most restaurant owners receive their funds within 24 to 48 hours of approval. In some cases, same-day funding is possible. There are no loan officers, branch visits, or committee reviews slowing things down.
How does repayment work for a restaurant cash advance?
Repayment is collected as a fixed percentage of your daily or weekly credit and debit card sales. This means your payments automatically adjust to your revenue. On a slow Tuesday, you pay less. On a busy Saturday night, you pay more. You never have a fixed monthly payment that ignores how your restaurant is actually doing.
Can I use the funds to renovate or expand my restaurant?
Absolutely. There are no restrictions on how you use your Trulo Capital funding. Restaurant renovations, kitchen upgrades, patio expansions, and new location buildouts are all common uses. We always recommend using working capital to invest in growth that will increase your revenue.
Is a merchant cash advance the same as a restaurant business loan?
No. A merchant cash advance is not a loan. Instead of borrowing money and repaying it with interest over a fixed term, you receive a lump sum upfront in exchange for a percentage of your future card sales. This makes MCAs much faster to access, more flexible in repayment, and easier to qualify for than traditional business loans.
What documents do I need to apply?
The application is simple. You will need your last 3 months of business bank statements and basic information about your restaurant. For faster processing, you can also securely connect your bank account directly. A funding advisor will reach out within a few hours to complete your application.
What Our Clients Are Saying
Discover how real business owners are growing with fast, clear, and reliable funding experiences.
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
Ready to fund your restaurant?
Apply in minutes. Talk to a funding advisor today. Funds deposited as fast as 24 hours.
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