Industry funding

Funding for Restaurants

Thin margins, daily card sales, and seasonal swings define restaurant cash flow. Quartz offers funding that flexes with your covers.

The challenges

What makes restaurants cash flow hard

We've funded enough restaurants businesses to know exactly where the pressure points are.

Tight margins

A few percentage points separate a good month from a bad one, leaving little buffer for surprises.

Seasonal & weather swings

Slow weeks still come with full rent and payroll, and a single bad month can wipe out reserves.

Costly renovations & equipment

A new hood, walk-in, or dining-room refresh is a major outlay between busy seasons.

By the numbers

Restaurants at a glance

$1.1T
U.S. restaurant sales / yr
3–5%
Typical net margin
Same day
MCA funding speed
“We renovated the dining room over a slow February with a cash advance that repaid as a slice of card sales. It barely touched our cash flow.”
Sofia Greco
Owner, Trattoria Bianca

Do you qualify?

Full-service, quick-service, and cafe concepts open 6+ months with $15,000+ monthly revenue and a 500+ credit score generally qualify.

Checking takes minutes and never affects your credit score.

Good to know

Frequently asked questions

It depends on the product — a merchant cash advance or invoice advance can fund the same or next business day, while larger loans are typically approved within 24–48 hours.

Our advisors match the product to your cash-flow pattern and goal. The three above are the most common fits for your industry, but you can compare every option on our services page.

A short application and three months of business bank statements. There's no hard credit check just to see your options.

Ready to fund your restaurants business?

Tell us what you need and a funding advisor will recommend the right product — at no cost and with no impact to your credit.