Get Fast, Flexible Restaurant Financing

                Merchants are choosing SSF for their
                                 restaurant financing

Your restaurant is both your passion and often your greatest source of aggravation. Between keeping your kitchen stocked and your diners full, you spend a lot of time on your feet. The one frustration you could do without is having to wait on banks when you need working capital. Whether you’ve applied for a small business loan and been turned down, or you can’t afford to wait the weeks and weeks a bank loan would take to get you the capital you need. A merchant cash advance from SSF offers a better way:

When you get an answer from us, you know it’s valid and that the funds will arrive in a short period of time.

What we can do for your restaurant

Unlike other small businesses, running a restaurant means selling constantly-changing goods with potentially short shelf lives. When your menu can depend entirely on what’s fresh, you need a funding source that is as flexible as you are. You also need to be prepared for unexpected costs in running your business. One problem with a traditional bank loan is its inflexibility. When applying for a loan you may have to outline exactly how you intend to spend it, and banks’ strict payment deadlines don’t allow you to hold on to capital for uses you can’t anticipate. Here are just a few things you can use SSF’s restaurant financing for: kitchen equipment, expanding your menu, salaries, expanding your advertising, buying out a partner, taxes, repairs, renovations, expansion, opening a new location, etc.

Fast and simple with minimum documentation required

Most of our restaurants receive a pre-qualification from us within hours of submitting the 1-page application, and actually receive the money in their business bank account within days. The process for obtaining a traditional small business loan from a bank could take several months. Learn how our cash advance underwriting process works!

We are not a bank, so we don’t require the same amount of documentation.  For example, unlike for traditional bank loans, you do not have to provide tax returns, financial statements, or physical collateral in order to obtain a business cash advance. We have a simple one-page application and may only require 4 months of credit card processing statements and 2 months of bank statements.

Personal credit isn't a problem and no payment schedules

We take many factors into consideration through our proprietary underwriting process, and we have funded thousands of merchants who have low credit scores. Business loans often require a minimum FICO or credit score.


A business cash advance isn’t a traditional loan. The advance is paid back as a percentage of your sales. When business picks up, you pay back more and when business slows, you pay back less