Business Line of Credit
Revolving access to capital. Draw for inventory, repay after weekend rush. Interest only on what you use.
- $10K–$500K
- Revolving, 12–24 month renewal
- Prime + 1–5% (variable)
- Best for: recurring needs, seasonal gaps
WESTVALVE FINANCIAL • WORKING CAPITAL FOR RESTAURANTS
Working Capital for Restaurants.
Lines of credit, short-term loans, revenue-based financing — built for seasonal cash flow, inventory, payroll, and equipment. Fast funding for restaurants.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALRESTAURANT WORKING CAPITAL
FUNDING IN 24-48 HOURS
Capital for seasonal cash flow.
Payroll. Inventory. Rent. The gap between paying suppliers and collecting from diners. We help restaurants access the capital that keeps tables full.
WORKING CAPITAL FOR RESTAURANTS
Capital for seasonal cash flow.
Restaurants have unique cash flow cycles — weekend peaks, holiday surges, winter slowdowns. We help you access the right product for your revenue cycle.
Short-Term Working Capital Loan
Lump sum for immediate needs. Fixed payments over 3-18 months.
- $10K–$500K
- 3–18 month terms
- Fixed rates
- Best for: specific one-time needs
Revenue-Based Financing
Repay a % of daily credit card sales. Payments scale with your business.
- Up to 10-15% of annual revenue
- Repay 1.3–1.5x advance
- Payments scale with daily sales
- Best for: seasonal, high card volume
SBA Working Capital
Lowest rates, longest terms. SBA 7(a) for qualified restaurants.
- Up to $5M
- Up to 10-year terms
- Prime + 2.25–4.75% (capped)
- Best for: qualified restaurants, larger needs
WHY RESTAURANTS CHOOSE US
We understand restaurant cash flow.
01
Seasonal Revenue Cycles
We understand weekend peaks, holiday surges, and January slowdowns. Products that scale with you.
02
Daily Cash Flow Data
POS and credit card data = faster approvals. Revenue-based financing uses your daily sales.
03
Inventory & Payroll Gaps
Lines of credit for weekend prep, revenue-based for holiday inventory build, SBA for expansion.
04
Equipment vs Working Capital
We help you separate equipment needs (equipment financing) from cash flow needs (working capital).
PRODUCT OPTIONS
Right product for your revenue cycle.
Line of Credit
Draw for weekend prep, repay after rush. Interest only on what you use.
- $10K–$500K
- Revolving, 12–24 month renewal
- Prime + 1–5% (variable)
- Best for: recurring seasonal needs
Short-Term Loan
Lump sum for specific need. Fixed payments over 3-18 months.
- $10K–$500K
- 3–18 month terms
- Fixed rates
- Best for: one-time inventory push
Revenue-Based Financing
Repay % of daily credit card sales. Payments drop in slow months.
- Up to 10-15% of annual revenue
- Repay 1.3–1.5x advance
- Payments scale with daily sales
- Best for: high card volume, seasonality
SBA Working Capital
Lowest rates, longest terms. SBA 7(a) for qualified restaurants.
- Up to $5M
- Up to 10-year terms
- Prime + 2.25–4.75% (capped)
- Best for: qualified, larger needs
SEASONAL CASH FLOW
We match the product to your calendar.
01
Holiday Surge (Nov-Dec)
Line of credit for inventory buildup, revenue-based for staffing costs.
02
Winter Slowdown (Jan-Feb)
Working capital loan covers payroll/rent during 30-40% revenue drop.
03
Spring Ramp (Mar-May)
Line of credit for patio/seasonal inventory, repay as revenue climbs.
04
Summer Peak (Jun-Aug)
Revenue-based financing scales with tourist traffic, SBA for expansion.
GET STARTED
Let's find your restaurant working capital.
Tell us about your seasonal cycles and cash flow needs. We'll match you with providers who specialize in restaurant financing.
FAQ
Questions about restaurant working capital.
Can restaurants get working capital loans?
Yes. Restaurants are eligible for all working capital products — lines of credit, short-term loans, revenue-based financing, and SBA working capital. Lenders understand seasonal revenue patterns. We work with providers who specialize in restaurant financing.
What's the best working capital option for seasonal restaurants?
Revenue-based financing or a business line of credit. Both scale with your revenue — payments drop during slow months. A line of credit lets you draw for off-season prep and repay during peak season. Revenue-based financing automatically adjusts payments to your daily sales.
Can restaurants get working capital for equipment?
Yes, but equipment financing is usually better for kitchen equipment — lower rates (5-15%), longer terms (2-7 years), 100% financing, and Section 179 tax benefits. Working capital is for cash flow gaps; equipment financing is for asset purchases.
How fast can a restaurant get working capital?
Alternative working capital: 24-48 hours. Business line of credit: 3-10 business days. SBA working capital: 30-90 days. Revenue-based financing: 24-48 hours. Speed depends on the product and documentation readiness.
What credit score do restaurants need for working capital?
Alternative working capital: 500+ credit score. Business line of credit: 600+. SBA working capital: 680+. Strong daily cash flow (POS data) can offset lower scores. We've seen 550-600 scores approved with strong daily credit card sales volume.
Can restaurants use working capital for inventory and payroll?
Yes. Working capital is specifically designed for day-to-day operations — payroll, food inventory, beverage orders, rent, utilities, marketing, and the gap between paying suppliers and collecting from diners.