Revenue-based funding — also called a Merchant Cash Advance (MCA) — sized to your sales and repaid as a small share of daily or weekly deposits. Capital that arrives in days, not the 60 days a bank takes.
Same-day decisions · No impact to credit · $5K – $1M+
Why MCA works here
Thin margins, lumpy seasons, expensive equipment. MCA flexes with sales and arrives fast — the right tool when timing beats price.
Walk-in coolers, ovens, fryers, ice machines, espresso rigs — when something fails on a Friday night, you can't wait for a 60-day bank decision. MCA gets capital in your account in days.
Tourist towns, college markets, sharp January dips — covering payroll, rent, and food cost while the dining room is quiet. Revenue-based repayment flexes with your sales pattern.
Move to a modern POS, add a kitchen display system, switch to a delivery-friendly stack, integrate online ordering. Capital landed quickly so the rollout doesn't slip a quarter.
Second-unit buildout, kitchen remodel, ghost-kitchen pivot, partner buyout. Lenders underwrite the existing operation's revenue, not the projected revenue of the new four walls.
Qualification
Underwriting varies across our partner network, but most restaurant deals are evaluated against a similar set of signals.
At least 6 months in business — most partners prefer 12+
Monthly gross revenue of $10K+; $25K+ unlocks stronger offers
Single-location and small multi-unit independents
Personal credit 500+ workable; 600+ widens the field
US-registered entity with active business checking
Steady weekly card-sales and ACH deposit pattern
If a deal doesn't fit one partner, we match to another. One application, many shots on goal.
Deal structure
Restaurant MCA deals in our network typically range from $10K to $250K, with the bulk landing between $25K and $150K. Factor rates usually run from 1.18 to 1.49 depending on credit, industry signals, and time in business.
Repayment is generally over 4 to 15 months via fixed daily or weekly ACH debits — sized to a level your average deposits can service comfortably. If your card processor integrates with the lender, split-funding (a percentage of card sales held back automatically) may be available as an alternative to ACH.
$10K – $250K
Typical funding range
3 – 15 mo
Term length
Daily ACH
Repayment style
Documents
Nothing to start a Thunder application — but once a partner is interested, expect to share the following at the underwriting stage.
Last 3 months of business bank statements
A voided business check
Driver's license or government-issued ID
Proof of business ownership (EIN letter, formation docs)
Recent merchant processing statements, if card-heavy
Restaurant FAQ
Other industries we serve
Ready when you are
One application. Multiple lenders. No impact to your credit score.