Restaurant Funding Solutions | Liberty Capital Group






Restaurant Funding Solutions | Liberty Capital Group



Get funded in 24-48 hours — Bad credit OK!

Restaurant Funding Specialists

Turn Bad Credit
Into Business Growth

Fast, flexible merchant cash advances designed specifically for restaurants. Get the working capital you need to thrive—regardless of your credit history.

Calculate Your Funding

Use our calculator to see how much working capital you can qualify for

Before
Struggling Without Capital

Bad credit makes securing funding nearly impossible. Traditional lenders turn you away, leaving you unable to cover urgent expenses, upgrade equipment, or grow your restaurant. Delays hurt operations and stall your dreams.

After
Thriving With Funding

Quick access to capital lets you manage expenses, seize opportunities, and grow your business—regardless of your credit score. No more rejections, just flexible funding that adapts to your needs.

Liberty Capital Group Makes It Possible

We specialize in Bad Credit Merchant Cash Advances for restaurants—providing fast, reliable funding to help your business thrive.

Why Choose Liberty Capital?

We understand the unique challenges restaurant owners face and provide solutions designed specifically for your industry

Fast Approval

Get approved in as little as 24 hours with funding in 24-48 hours. No lengthy applications or weeks of waiting.

Bad Credit Welcome

Your credit score won’t hold you back. We focus on your business performance and daily revenue.

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Flexible Repayment

Payments adjust with your sales. During slow periods, you pay less automatically.

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Restaurant Experts

Specialized funding designed for the unique cash flow patterns of food service businesses.

Key Benefits & Advantages

Discover how merchant cash advances transform your restaurant’s financial flexibility

01
Immediate Capital Access

Receive funding within 24-48 hours to handle urgent expenses like equipment leasingrepairs or inventory shortages.

02
No Collateral Required

Unsecured funding means you don’t risk losing assets. Your future sales are the only guarantee needed.

03
Simple Application

Minimal paperwork with straightforward requirements. No complex financial statements needed.

04
Revenue-Based Payments

Payments adjust with daily sales. Less revenue means lower payments automatically.

05
Build Momentum

Invest in marketing, renovations, or menu items to attract more customers and increase revenue.

06
Stay Competitive

Upgrade equipment, expand seating, or launch delivery services to keep up with competitors.

Advantages & Considerations

We believe in transparency. Here’s what you need to know about merchant cash advances.

Advantages

  • Lightning-fast approval (24-48 hours)
  • Bad credit accepted—no barriers
  • No fixed monthly payment stress
  • Repayment tied to revenue flow
  • No collateral or guarantees needed
  • Use funds for any business purpose
  • Simple qualification process
  • Helps during seasonal slowdowns
!

Considerations

  • Higher cost than traditional loans
  • Daily or weekly payment deductions
  • Not ideal for long-term financing
  • Factor rates can be complex
  • May impact daily cash flow
  • Short repayment terms (3-12 months)
  • Can be expensive if mismanaged
  • Less regulation than banks

Frequently Asked Questions

Get answers to common questions about merchant cash advances for restaurants

What is a Merchant Cash Advance?

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A Merchant Cash Advance is a lump sum of capital provided to your restaurant in exchange for a percentage of future credit card sales or daily revenue. It’s not a traditional loan—it’s an advance on future earnings, making it accessible even with bad credit.

How quickly can I get funded?

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Most restaurant owners receive approval within 24 hours and funding within 24-48 hours after approval. In urgent situations, we can often expedite the process to get you capital even faster.

Will bad credit disqualify me?

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No. Unlike traditional banks, we focus on your restaurant’s daily sales performance and cash flow, not credit scores. As long as you have consistent revenue, bad credit won’t prevent funding.

How much can I borrow?

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Funding typically ranges from $5,000 to $5,000,000, depending on your restaurant’s monthly revenue. Generally, you can qualify for an advance equal to 1-2 months of your average monthly sales.

How does repayment work?

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Repayment is automatic through a percentage of daily credit card sales or daily/weekly ACH withdrawals. When sales are high, you pay more; when slower, you pay less. This flexible structure aligns with your restaurant’s natural cash flow.

What can I use the funds for?

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Use funds for any business purpose: equipment repairs or upgrades, inventory purchases, payroll, marketing campaigns, renovations, expansion, seasonal inventory, or emergency expenses. No restrictions apply.

What documents do I need?

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The process is simple. Typically, you’ll need 3-6 months of business bank statements, proof of business ownership, and a valid ID. No tax returns or extensive financial statements required in most cases.

Is there a penalty for early repayment?

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This varies by agreement. Many MCAs have the full amount due regardless of when you pay it off. Some providers offer discounts for early payoff—always ask about this during the application process.

How is this different from a bank loan?

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Bank loans require excellent credit, collateral, lengthy approval (weeks or months), and fixed monthly payments. MCAs offer fast approval (24-48 hours), accept bad credit, require no collateral, and feature flexible payments tied to revenue. The tradeoff is higher costs.

What makes Liberty Capital Group different?

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We specialize in restaurant funding and understand the unique challenges of the food service industry. Our team has experience with seasonal fluctuations, tight margins, and high turnover. We offer personalized service, transparent terms, and genuine partnership.

Get Started Today

Complete the form below and our team will contact you within 24 hours


Ready to Fund Your Restaurant’s Future?

Don’t let bad credit hold your business back. Get the capital you need to grow, compete, and succeed.