01
Weekly card settlements
Compare any proposed repayment with quieter weekday takings, not only Friday and Saturday sales.
Restaurants
Capital built for restaurants.
Funding for independent restaurants, groups and chefs. Repayments that move with covers, card volume and the rhythm of the trading week.
£5k – £5M
Funding range
3 – 24 mo
Repayment terms
File dependent
Review timing
Before choosing funding
Match funding to the service cycle
A useful facility should follow the commercial cycle it is paying for. These are the details worth testing before comparing offers.
02
Refit downtime
Include the revenue lost while the kitchen or dining room is closed, alongside the contractor and equipment cost.
03
Supplier timing
Map food, drink and payroll outflows against card settlement dates before choosing a fixed or sales-linked structure.
What to prepare
Having these ready makes the first review more useful and reduces avoidable follow-up.
- Recent business bank statements
- Card processor statements
- Weekly sales split by site
- Costed schedule for the use of funds
Questions worth asking
Use these to compare the repayment structure with the way your business earns cash.
- 01How many trading days can the project disrupt?
- 02What does the repayment look like in the quietest month?
- 03Will the investment increase covers, margin or opening hours?
Restaurant cash flow rarely runs in a straight line. A wet bank holiday, a delayed refit, an unexpected EHO close, a new lease deposit, capital often needs to land before the next strong service.
We work with restaurants across the UK, from neighbourhood independents to multi-site groups. Underwriting reads card settlement, cover counts and seasonality, not a single bureau score. Timing depends on the information supplied, verification and written terms.
Typical use cases
- New site fit-out, kitchen build or refurbishment
- Front of house refresh, terrace or seating uplift
- Equipment purchase: ovens, walk-ins, espresso, POS
- Stock and supplier deposits ahead of peak trading
- Bridging deposits, dilapidations or premium
- Hiring chefs and brigade ahead of season
Useful reading
Go deeper before you decide.
Practical guide6 min read
Business loan vs merchant cash advance: which is right for your UK SME?
A clear-headed comparison of fixed-term business loans and merchant cash advance for UK SMEs. Repayment shape, eligibility, total cost, and how to choose.
Practical guide6 min read
Seasonal business funding for UK trading peaks: how to fund a busy quarter
A practical playbook for funding a UK seasonal peak: sizing the facility, choosing the repayment shape that matches the peak, and getting funds landed before demand does.
File based
Review timing
£5k–£5M
Facility size
Explained
Search process
Clear
Written terms
Funding most suited to restaurants
Merchant cash advance
Advance against future card receipts. Repay as a small share of daily settlements.
Learn moreRevenue based financing
Repayments calibrated to top-line cash receipts. Eases in quieter months.
Learn moreTerm business loan
Fixed monthly repayments over 3 to 24 months for planned investment.
Learn moreFrequently asked
Can a single-site restaurant qualify?
Yes. We work with single-site independents through to multi-site groups, provided card settlement and trading history support the facility.
What if my last quarter was soft?
A soft quarter alone is not a decline. Underwriting reads the broader trading pattern, forward bookings and seasonality.
Do I need to switch card processor?
No. We work alongside your existing acquirer. We verify settlement through Open Banking, not by changing your terminal provider.
Can funds be used for a new site?
Yes. Fit-out, deposit, dilapidations and kitchen build are common uses.
When the bank says no, we take a closer look.
Start with a short initial enquiry. If a credit search is needed later, it will be explained first.
Check eligibility