Our goal at Lending Valley is to provide all small business owners access to the best loans possible for their business. You can rest assured we will get you the best rates in the market!
Running a restaurant is expensive. Between equipment purchases, seasonal staffing, inventory costs, and renovations, you need reliable access to capital. Lending Valley specializes in fast business loans for restaurants, cafes, food trucks, and food service businesses of all sizes.
The restaurant industry operates on thin margins and seasonal fluctuations. Traditional banks often don’t understand the unique cash flow patterns of food service businesses. At Lending Valley, we do.
We understand your industry: Daily credit card receipts, seasonal revenue swings, and the constant need for working capital are part of the restaurant business. Our funding products are designed to work with your cash flow, not against it.
Merchant Cash Advance (MCA) — The most popular option for restaurants. Get $5,000 to $500,000 based on your daily credit card sales. Repayment adjusts automatically with your revenue — pay less during slow days, more during busy ones.
Short-Term Business Loans — Fixed-amount loans for equipment purchases, renovations, or expansion. Terms from 3 to 18 months.
Business Line of Credit — Revolving credit up to $250,000 for ongoing expenses like inventory, payroll, and seasonal staffing.
Equipment Financing — Fund commercial kitchen equipment, POS systems, refrigeration units, and restaurant furniture with dedicated equipment loans.
Kitchen equipment — Commercial ovens, fryers, refrigerators, dishwashers, and prep equipment.
Renovations and buildout — Dining room upgrades, patio additions, kitchen expansions.
Working capital — Cover payroll, rent, and supplier payments during slow seasons.
Inventory — Stock up on food and beverage supplies for peak seasons or catering events.
Marketing — Fund advertising campaigns, delivery app partnerships, and local marketing.
New locations — Open a second location or transition to a larger space.
We keep the application process simple for busy restaurant owners:
✔ 6+ months in business
✔ $10,000+ in monthly revenue
✔ Active business bank account
✔ 3 months of bank statements
✔ No minimum credit score for MCA
No tax returns, no business plans, no collateral required for most products.
1. Apply in 5 minutes — Tell us about your restaurant and funding needs.
2. Submit bank statements — Just 3 months of recent statements.
3. Get approved fast — Many restaurant owners get approved within hours.
4. Receive funding — Funds deposited in your account as fast as the same day.
Can a new restaurant get a business loan?
Yes, if your restaurant has been open for at least 6 months and generates $10,000+ in monthly revenue. Startups under 6 months may have more limited options.
How much can my restaurant borrow?
Restaurant owners can access $5,000 to $500,000 depending on revenue and funding type.
How does MCA repayment work for restaurants?
A small fixed percentage of your daily credit and debit card sales is automatically deducted. On busy days you pay a bit more, on slow days you pay less. This makes it ideal for restaurants with variable revenue.
Do I need collateral?
No. Our MCA and short-term loan products are unsecured — no collateral required.
