What factor rate should I expect?
Restaurant MCAs typically range from 1.10 to 1.40 factor rates, depending on your monthly revenue, business tenure, and bank deposit consistency. Higher revenue = better rates. A $100K advance at 1.30 factor means you pay back $130K total. Our Cost Calculator shows you exact payback before you apply.
How are daily payments calculated?
Payments are a fixed percentage of your daily credit card sales. For example: $100K advance at 1.30 factor with 10% daily card sales = approximately $430 daily payment. If you process $6,000 in cards that day, you pay $430. If you process $3,000 (slow night), you still pay $430. If you process $15,000 (busy night), you still pay $430. Some funders use 1% to 4% daily deductions instead—we can explain all options.
What if I have seasonal revenue swings?
That's exactly why MCAs exist. Our underwriting accounts for seasonal patterns. Beach restaurants, ski lodges, holiday-focused establishments—we structure advances knowing you have slower months. Payments are still consistent, but we factor seasonality into the approval and amount.
Can I use this for payroll or operating costs?
Yes. Many restaurant owners use MCAs for payroll, inventory, supplies, utilities, and general operating expenses. There are no restrictions on how you use the capital. Equipment, renovations, cash flow, staffing—it's your choice.
What if business is slow and I can't afford my daily payments?
With card-sales-based payments, slower business automatically means lower payments. But if you need to discuss your specific situation, our account team can work with you. We're interested in your long-term success, not just collecting payments.