Restaurant funding, underwritten on your restaurant's signals
Banks read a tax return. We read the numbers that actually run a restaurant — POS deposits, ticket volume, weekend versus weekday revenue and seasonal swings — so a strong operator with a slow February still gets a fair look.
- POS deposits
Daily card batches and deposit consistency across your processor.
- Ticket volume
Cover counts and average check size, not just top-line revenue.
- Weekend vs weekday
How your Friday–Sunday mix carries the rest of the week.
- Seasonality
Slow months priced in, so a soft January doesn't sink your file.
Important terms
- Merchant Signals Capital is a financial technology company, not a bank or lender. We do not issue capital. Participating funding companies underwrite and contract with you directly.
- There is no fee to apply or to check eligibility.
- If you accept an offer, that funder sets the cost. Typical MCA-style working capital uses a factor rate and a share of daily receipts (not a simple APR). Origination, ACH, or other fees, if any, are disclosed in that funder's contract before you sign. Amounts, rates, and speed shown on this site are illustrative, not an offer of credit.
- Submitting does not guarantee approval, any amount, or any funding timeline. No hard credit pull on this form.
Contact: mc@merchantsignalscapital.com
How it works
Three steps, no branch visit, no stacks of paperwork.
Apply
One page, a few minutes. Basic business details and your requested amount — no hard credit pull.
AI underwriting on restaurant signals
Our engine reads POS deposits, ticket volume, weekend mix and seasonality instead of generic SMB templates.
Review your offers
A funding specialist walks you through the options available for your restaurant and the terms attached.
What restaurant owners use it for
- New equipment and kitchen build-out
- Second location or patio expansion
- Inventory and food cost spikes
- Payroll through a slow season
- Marketing and delivery-app fees
- Consolidating existing advances