Restaurant & Cafe Financing

Why Restaurant Financing Is Essential in Canada

The Canadian restaurant industry is a vital part of the economy, generating over $90 billion annually and employing more than 1.2 million people. But even the most successful restaurants face financial hurdles.

Common Funding Needs for Restaurants:

• Opening a new location

• Renovating or upgrading a kitchen

• Purchasing commercial kitchen equipment

• Hiring and training staff

• Managing seasonal slowdowns

• Inventory and ingredient costs

• Marketing and promotion efforts

• Technology upgrades (POS, mobile apps, delivery platforms)

Whether you're running a fast-casual eatery in Toronto, a fine dining establishment in Vancouver, or a food truck in Calgary — having the right financing partner makes all the difference.

Restaurant Financing Options We Offer in Canada

we provide a variety of financing products suited to the dynamic needs of Canadian restaurants.

1. Small Business Loans for Restaurants

Perfect for long-term investments or major expansions, our business loans come with competitive interest rates and fixed monthly payments, allowing you to plan your finances with confidence.

Features:

• Loan amounts from $10,000 to $500,000+

• Terms from 6 months to 5 years

• Fixed interest rates

• Fast approvals (as quick as 24 hours)

2. Merchant Cash Advances (MCAs)

Ideal for restaurants with steady daily or credit card sales, MCAs provide an upfront lump sum in exchange for a percentage of future sales.

Benefits:

• Flexible repayment based on revenue

• No fixed monthly payment

• High approval rates

3. Equipment Financing

Upgrade your kitchen with the latest ovens, refrigerators, or point-of-sale systems. Equipment financing spreads the cost over time while keeping your cash flow intact.

Highlights:

• Finance up to 100% of equipment cost

• Terms up to 7 years

• Own the equipment outright after final payment

4. Line of Credit

A revolving line of credit gives you access to funds when you need them, ideal for managing cash flow fluctuations or seasonal needs.

Key Advantages:

• Access up to $250,000

• Only pay interest on what you use

• Renew and reuse as needed

Who Qualifies for Restaurant Financing in Canada?

We work with all types of restaurant owners — from Michelin-star chefs to independent coffee shop entrepreneurs. Our eligibility requirements are designed to be inclusive and attainable for hardworking Canadian business owners.

General Requirements:



• Canadian-based restaurant or foodservice business

• 6+ months in operation (for business loans, lines of credit, MCAs)

• $10,000/month in average gross revenue (for MCAs)

• Personal credit score of 600+ (varies by product)

• Business bank account

• Basic financial statements (P&L, bank statements)

Don’t meet all the requirements? No worries — our specialists will work with you to find a solution that fits.

How the Financing Process Works

Step 1: Apply Online in Minutes

Complete our secure online application — no obligation or impact on your credit score.

Step 2: Get a Free Consultation

Speak with a financing expert who will assess your needs and guide you to the best funding option.

Step 3: Submit Documents

Provide basic financial info like bank statements and proof of revenue.

Step 4: Get Funded

Once approved, receive funds in as little as 24–48 hours.

Step 5: Grow Your Restaurant

Put your capital to work — whether it’s upgrading your kitchen, launching a marketing campaign, or hiring new talent.

Benefits of Restaurant Financing

As a top-rated provider of merchant lending services in Canada, we bring unmatched value to small and medium-sized business owners across the country.

✅ Lightning-Fast Approvals

We understand time is money. Get funded in as little as 24 hours, with a simple online application.

✅ Flexible Terms

Repayment is automatically aligned with your sales. During slow periods, you pay less—no stress, no penalties.

✅ Low Credit? No Problem

We look beyond your credit score and focus on the real performance of your business.

✅ Transparent Fees

No hidden charges. We provide clear, upfront pricing so you know exactly what to expect.

✅ Personalized Support

Work with a dedicated account manager who understands your business and helps you choose the best loan structure.

Frequently Asked Questions

How much can I borrow for my restaurant?

Loan amounts typically range from $10,000 to $500,000 depending on your revenue, credit, and time in business.

Do I need perfect credit to qualify?

Not at all. While credit score is considered, we also look at business performance and potential.

Can I get financing if I’m a new restaurant?

Yes! We offer special programs for startups and first-time restaurateurs.

What’s the interest rate?

Rates vary by product type, term, and risk. Our advisors will ensure you get the most competitive rate available.

How fast can I get funded?

Many of our clients receive funding within 24–48 hours of approval.

Ready to Finance Your Restaurant’s Future?

Start Growing Your Business Today! Join thousands of Canadian entrepreneurs who have transformed their businesses with merchant lending from us. Whether you're launching a new location, restocking inventory, or managing a temporary cash shortfall, we provide the capital you need—fast, fair, and flexible.

🔐 100% Secure Application

⏱️ Funding in 24–48 Hours

Ready to see how much you qualify for? Click below to get a free, no-obligation quote. It takes less than 5 minutes—and could be the best decision you make for your business this year.

No Credit Impact | No Hidden Fees | Fast Approval

Optimize Your Business Potential with Merchant Lending in Canada. Don't let limited access to capital hold your business back. With merchant lending, funding is just a click away. Discover the smart alternative to bank loans—tailored for Canadian businesses like yours.