RESTAURANT FUNDING
Capital for kitchens that cannot wait.
MCA, lines of credit, equipment financing, and SBA loans for restaurants, bars, cafes, and food service. Same-day funding when the equipment dies on a Friday.
Restaurants run on margin and momentum.
A restaurant cannot afford a two-week funding cycle. The walk-in goes down on a Friday. The seasonal POS upgrade is now. The new location closes Tuesday or it does not close at all. We fund restaurants on the timeline restaurants actually run on — same day for working capital, days for equipment, weeks for SBA build-outs.
And we get the cash flow shape: 80% of revenue arrives via card, weekends do 60% of weekly volume, and seasonality is real. That shapes how we underwrite.
WHY DYNAMIC
Why restaurants pick Dynamic.
We get the rhythm
Underwriting reads weekend-heavy deposit patterns and seasonality the way a bank algorithm cannot.
Speed when it counts
MCA same-day. Equipment financing in 24-72 hours. SBA when you have time and the deal warrants it.
Repayment that flexes
Credit-card-split structures repay as a % of card volume — slow weeks repay slower, busy weeks repay faster.
“Applied for a loan at my bank — heard nothing for two weeks. Came to Dynamic and had an offer that same afternoon.”
— David P. · Restaurant Owner, NY
PRODUCTS WE STRUCTURE FOR THIS INDUSTRY
See what fits your business.
Three-minute application. No credit impact. Your dedicated specialist calls back inside one business hour.