Tight margins
A few percentage points separate a good month from a bad one, leaving little buffer for surprises.
Thin margins, daily card sales, and seasonal swings define restaurant cash flow. Quartz offers funding that flexes with your covers.
We've funded enough restaurants businesses to know exactly where the pressure points are.
A few percentage points separate a good month from a bad one, leaving little buffer for surprises.
Slow weeks still come with full rent and payroll, and a single bad month can wipe out reserves.
A new hood, walk-in, or dining-room refresh is a major outlay between busy seasons.
Three products our restaurants clients reach for most. Tap any one to see how it works.
A lump sum repaid as a slice of daily card sales.
Explore Merchant Cash AdvanceReusable capital you draw on demand and only pay for when used.
Explore Line of CreditA fast lump sum with fixed payments for a defined need.
Explore Short-Term Loans“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.”
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.
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.
Tell us what you need and a funding advisor will recommend the right product — at no cost and with no impact to your credit.