Collateral & Asset Loans
For the equipment a kitchen cannot open without — walk-ins, ranges, hoods, dish machines, POS and delivery vehicles. A 12 – 60 month term spreads the cost over the years the equipment works.
See Collateral & Asset LoansWhat's your case?
Which funding fits your kitchen right now?
What it means for your cashYou cannot trade without it, and it has to pass inspection before the room opens again.
Collateral & Asset Loans
What you buy secures the loan, and the term spreads the cost over the years the unit will run.
- Range
- $10,000 – $1,000,000
- Term
- 12 – 60 months
What it means for your cashRevenue is seasonal; labor is not.
Business Line of Credit
Draw for the soft weeks, repay as covers come back, and keep the facility for next January.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashThe spend lands over one summer; the extra covers pay it back over years.
Business Term Loan
One fixed monthly payment, sized to the seats the build-out adds.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashThe money is in the pipeline, not in the account, and the produce delivery does not wait for it.
Merchant Cash Advance
It is the fastest product to fund, and repayment comes out of sales rather than a fixed monthly bill.
- Range
- $5,000 – $5,000,000
- Term
- 3 – 18 months
What it means for your cashEvery cost arrives before the first ticket prints.
Business Line of Credit
Draw what the opening needs and repay it from the new room's sales rather than the existing one's.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashYou made the sale and bought the food; the payment is a month out.
Invoice Factoring Tool
It turns business-to-business invoices into cash now, and approval leans on the customer's credit.
- Range
- $10,000 – $3,000,000
- Term
- ongoing facility
What it means for your cashStacked payments turn a good Friday into an average week.
Consolidation of Positions
Pays off the positions you have and rolls them into one payment sized to your sales.
- Range
- $10,000 – $2,000,000
- Term
- 6 – 36 months
Products
Three ways to fund a restaurant
Business Line of Credit
For the rhythm of the trade: food bought weekly, payroll every two weeks, covers that move with the season. Draw in a soft month and repay when the room fills again.
See Business Line of CreditMerchant Cash Advance
For a card-heavy room that needs money this week. Repayment follows sales, which helps in a quiet stretch, but it costs more than a line of credit — use it for a short, urgent gap, not a planned purchase.
See Merchant Cash AdvanceFrom the blog
FAQ
Restaurant funding questions
Equipment and repairs, food and payroll through a soft month, a renovation or build-out, opening costs for a second site, and deposits. Falcon does not restrict the use of proceeds to one category.
$5,000 to $5,000,000 depending on the product. An asset loan runs $10,000 – $1,000,000, a line of credit $10,000 – $500,000, and an advance $5,000 – $5,000,000. The final number depends on your sales, your time in business and your bank activity.
Usually not if you can finance it. An asset loan spreads the cost over the life of the machine; an advance is short and costs more, so it suits a gap in cash rather than a purchase you can quote.
Lenders read restaurant files closely, because margins are thin and a weak month shows in the statements. An advance starts at 3+ months in business and $10K+ monthly revenue; an asset loan or a line of credit generally asks for 6+ months.
A seasonal file is normal in this trade, and a thin January inside six months of statements is expected rather than disqualifying. What a lender reads is whether the full year covers the payments you take on, so send the statements you have and let your specialist size the facility to the quiet months.
Many products fund within 24-48 hours of approval. An equipment loan moves fastest when the vendor quote is ready, so get the quote before the unit fails if you can.
Falcon charges a 0% agreement fee. For a sales-linked product, the total amount and the percentage of sales that goes toward it are both spelled out on the agreement before you sign. No specific rate is published here, because it depends on your file.
Six months of business bank statements, a photo ID, a voided check, a list of any current advances or loans, and a quote or invoice for equipment.