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Invoice financing for restaurants & food service

Get up to 90% of your unpaid invoices now. Restaurant owners use Credible Lending invoice financing to replace a walk-in cooler or range or build out a second location, with settled when your customer pays and advances within 24 hours.

Apply nowAbout invoice financing
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Invoice financing for restaurant owners
AmountUp to 90% of invoice value
TermSettled when your customer pays
SpeedAdvances within 24 hours
PaymentsSettled from invoice payment
Best forB2B businesses with slow-paying customers

Common uses in restaurants & food service

  • Replace a walk-in cooler or range
  • Build out a second location
  • Stock up before a busy season
  • Cover payroll in a slow month

Why restaurant owners choose invoice financing

Equipment fails on a Friday

A walk-in or a hood system can't wait six weeks for a bank. Same-day decisions mean the repair happens this week.

Seasons are real

December and February don't look alike. A line of credit smooths the slow months without a new application each time.

Margins are thin

We show the total cost of capital in dollars so you can check it against your margins before you sign.

How does invoice financing work?

  1. 1

    Submit open invoices from creditworthy business customers.

  2. 2

    Receive an advance of up to 90% of their value.

  3. 3

    Your customer pays as usual.

  4. 4

    You receive the balance, minus a transparent fee.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Other funding for restaurant owners

Questions, answered

Something else on your mind? Ask an advisor.

Can restaurant owners qualify for invoice financing?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review restaurants & food service financials with the industry's cash-flow patterns in mind.
Will my customers know I'm using invoice financing?
It depends on the structure. Ask your advisor about options where you continue to collect payments directly.
Can a new restaurant qualify for financing?
Most of our programs look for at least one year in business and $10,000 or more in monthly revenue. If you're newer, apply anyway: your advisor will tell you what you can qualify for now and what changes at the one-year mark.

Ready when your business is.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor