Capital that flexes with the covers.
Hospitality is daily-sales revenue and thin margins. Traditional banks want two years of tax returns and a personal guarantee for a $50K line. We underwrite off your POS and processor data, and payments flex with what the register actually did last week.
Options built for how you actually get paid.
Merchant Cash Advance
Lump sum today, repaid as a fixed percentage of daily card batches. Slow Tuesday pays less; packed Saturday pays more. Perfect for seasonal or event-driven operators.
- Funded in 24–72 hours
- No fixed monthly payment
- Priced as a factor rate, not APR
Revenue-Based Line
Revolving line sized against trailing monthly revenue. Draw for seasonal buildup, restock, or a slow month; repay as a share of monthly sales.
- Draw and repay without re-applying
- Payments scale with revenue
- Priced monthly, not daily
Equipment Financing
Finance ovens, walk-ins, POS systems, espresso machines, bar builds, hotel FF&E, or a full kitchen remodel with 100% financing and terms up to 60 months.
- Equipment is the collateral
- Deferred payments during buildout
- Section 179 eligible in most cases
Franchise Financing
For approved franchise brands: build-out, opening package, initial inventory, and working capital reserve. We know the concept unit economics.
- SBA and conventional options
- Multi-unit development lines
- Brand-familiar underwriting
Delivery / Third-Party Receivables Advance
Advance against DoorDash, UberEats, Grubhub, and OTA (Booking, Expedia) payouts. Get access to next-day cash instead of waiting on the platform's payout cycle.
- Repaid from platform payouts
- Sized off trailing 3–6 months
- Stackable with your bank line
Hotel / F&B Bridge Loan
Short-term bridge for hotel acquisitions, PIP renovations, brand conversions, or refi of maturing CMBS. Interest-only structures with extension options.
- LTV up to 70%
- 12–36 month terms
- Close in 3–5 weeks
Why traditional banks say no.
Banks don't understand daily-sales businesses
A bank sees uneven deposits and gets nervous. We see a healthy weekend pattern. Underwriting is built on POS batches, tips, and processor data — not just tax returns.
Slow seasons hit fixed costs hard
Rent, insurance, and payroll don't take a January off. Revenue-based structures make sure your loan doesn't either — payments shrink when the covers do.
Third-party platforms sit on your cash
Delivery and OTA payouts can lag 7–14 days. That's a whole payroll cycle. Platform-AR advances turn tomorrow's Uber payout into today's deposit.
Ready to move?
Apply for a capital facility in 60 seconds. No hard credit pull for initial pre-approval.