Industry funding
Funding that flexes with your covers.
Thin margins and daily swings make rigid debt a poor fit. We offer capital that flexes with your sales — for renovations, equipment, or simply getting through a slow stretch.
The funding challenges restaurants face.
Restaurants run on thin margins and volatile daily revenue, which makes fixed payments risky and traditional lending hard to get.
Thin, variable margins
Food and labor costs leave little cushion, so a fixed payment can bite hard on a slow week.
High upfront build-outs
Opening or renovating a space demands major capital before the first cover is served.
Equipment failures
A walk-in or line going down is an emergency that can't wait for a slow loan process.
Seasonal & daily swings
Weather, tourism, and the day of the week all move revenue, straining a rigid cost base.
Funding solutions for restaurants.
A cash advance flexes with daily sales; term capital funds the build-out or the new location.
Restaurants by the numbers.
Common ways restaurants put capital to work
- Renovating the dining room or building out a new location
- Replacing failed kitchen equipment without delay
- Smoothing payroll through a slow season
- Funding a marketing push around a launch or holiday
Testimonial
When our walk-in died on a Friday, Meridian funded the replacement by Monday. The flexible repayment means slow weeks don't crush us the way a fixed loan would have.
Owner, Calle Ocho Cantina
Do you qualify?
Most restaurants that meet these baselines can get funded. If you're close, apply anyway — we read the whole business.
- 6+ months in business under current ownership
- $15,000+ in average monthly revenue
- 500+ personal credit score
- A U.S.-based business with an active business bank account
Built for restaurants
Capital that respects your margins.
Apply in five minutes and get matched with an advisor who knows hospitality economics.