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.

01 / Challenges

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.



03 / In practice

Restaurants by the numbers.

3–5%
net margins are typical in full-service dining
Same day
funding available for an emergency equipment fix
% of sales
repayment that flexes with your daily volume

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.
Gabriela Ortiz
Owner, Calle Ocho Cantina

04 / Eligibility

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
Strong card volume can matter more than a perfect credit score here. Steady daily sales open the door to fast, flexible funding.

Built for restaurants

Capital that respects your margins.

Apply in five minutes and get matched with an advisor who knows hospitality economics.