Business Loans for Restaurants
Get £3k to £300k in 24 hours*
- Pay back through future card sales
- Unsecured – there’s no worry
- Same day business funding
Quick Decision with No Obligation
Get £3k to £300k in 24 hours*
Quick Decision with No Obligation
Whether you run a restaurant or takeaway, a merchant cash advance offers a fast and flexible alternative to a traditional business loan, helping fund venue refurbishments, equipment upgrades, staffing, or a cash flow boost so your business can grow.
Unlock funding from £3,000 up to £300,000 against your customer card sales.
Automatically repay a small percentage when customers purchase by card – There are no fixed payments.
The advance is unsecured, so your business assets are safe.
A quick decision and process mean you can access your money in just 24 hours* after approval.
The cost of finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.
Apply at any time - We can process your application 24 hours a day.
Quick Decision with No Obligation
The UK restaurant industry is worth £18.76 billion, with over 90,799 restaurants and food establishments, according to Statista Research Department. With the average UK household spending £14 per week on restaurant meals, investing in your business has never been more important to stay ahead of the competition
Running a restaurant is challenging. Not only is the industry highly competitive, but securing traditional finance can also be difficult, especially in recent times. Yet the UK hospitality sector is resilient, particularly when supported by alternative finance lenders who help businesses adapt, grow, and diversify.
That’s where we can help with a merchant cash advance. Unlike conventional restaurant business loans offered by high street banks, this type of funding offers flexible repayments based on a percentage of your future card sales until the loan is fully repaid. This means you never have fixed monthly repayments, making it easier to manage cash flow, even during quieter periods.
With high approval rates and fast funding times, merchant cash advances are a popular choice for restaurant owners across England, Wales, Scotland, and Northern Ireland. Whether you run a top-end fine dining establishment or a small independent takeaway, and whether you accept card payments via a terminal or online platforms like Deliveroo, Uber Eats, or Just Eat, we can provide the hassle-free cash boost your business needs to grow.
To get started, simply fill out our quick and easy application form for a no-obligation quote.
Apply NowQuick Decision with No Obligation
A restaurant business loan is a type of finance specifically designed for restaurants, takeaways, and other food establishments in the hospitality industry. These loans provide restaurant owners with the funds needed to manage cash flow, invest in new kitchen equipment, hire additional staff, or carry out refurbishments. Essentially, they are business loans tailored to help food businesses grow, operate efficiently, and meet their financial needs.
A merchant cash advance offers a fast and flexible way to fund your restaurant without the burden of fixed monthly repayments. It’s designed to work with your customer card sales, for example, each time a customer pays their bill by debit or credit card, a small percentage of that sale automatically goes toward repaying the advance.
This makes it an ideal restaurant funding solution if your income fluctuates throughout the year. During quieter months, your repayments naturally decrease, helping you manage cash flow with ease. When business picks up, you repay a little more, it’s that simple.
With quick approval times, flexible repayments, and no fixed terms, a merchant cash advance can be one of the most convenient and stress-free ways to finance your restaurant business.
The amount your restaurant can borrow depends on your monthly card sales. We typically offer funding from £3,000 to £300,000, with most restaurants qualifying for around 1 to 1.5 times their monthly card turnover. For example, if your restaurant takes £30,000 per month and £15,000 comes from card payments, you could be eligible for an advance of roughly £15,000–£22,500.
We provide funding for all types of restaurant businesses across the UK and Ireland, including:
As a busy restaurant owner, you don’t have time for lengthy paperwork or complicated applications. Our restaurant funding solution is fast and stress-free, with funding in as little as 24 hours*.
Yes, you can still get a restaurant business loan even with bad credit. A merchant cash advance works differently from traditional funding because it’s based on your card sales, not your credit score.
Restaurant finance can be used for a wide range of business needs, including refurbishing or expanding your dining area, upgrading kitchen equipment, investing in staff, marketing your restaurant, improving online booking and POS systems, or funding a takeaway operation. It can help you enhance the customer experience, increase efficiency, boost your restaurant’s revenue, and support your cash flow.
Yes, if you're a restaurateur looking to expand your portfolio, you can use a business loan to help buy or start a restaurant. However, we can not support businesses that are not trading as the funding is raised against card sales.
No, a business plan is not required to apply for our restaurant funding. Unlike traditional bank loans or other forms of finance that often demand detailed business plans, our application process is quick and straightforward, helping you access funding faster and with less paperwork.
Yes, you can! If your restaurant or takeaway receives food orders via apps like Just Eat, Uber Eats or Deliveroo, you can get a business loan advance based on these customer card sales.
Absolutely. If you're running a mobile food truck or catering van that accepts customer card payments, we can help fund your business. Whether your mobile food truck venture specialises in serving morning breakfast favourites, gourmet burgers, or delectable wood-fired pizzas, our business financing solution provides fast access to capital when required for any business purpose.
Getting restaurant finance is simple. Just complete our online application with a few basic details including your business name, card sales turnover, and contact information. You’ll then receive your free, no-obligation quotes so you can see exactly how much funding your restaurant could access.
Quick Decision with No Obligation
"We have helped many restaurant owners across the UK receive funding to grow"
£20+ Million
Total Funded to Businesses
90%
Application Approval Rate
The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.
Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.
The merchant cash advance can be with you in as little as 24 hours* after approval.
You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.
Quick Decision with No Obligation
