Industry Funding
Business Funding for Restaurants & Food Service
From slow Januaries to broken walk-in coolers — Commera matches food service businesses with fast capital when bank financing isn't an option.
See If You Qualify →Soft credit pull · Approval in 2–4 hours · No fees to apply
The real problem
Why businesses in this industry use MCA
Bank financing moves on bank timelines. Your business doesn't.
Seasonal Revenue Swings
Revenue can drop 30–40% from December to January in most markets. Banks won't lend during slow periods. MCA underwriters look at your 3-month average — meaning your good months count.
Equipment Failure Is Non-Negotiable
A broken walk-in cooler or commercial oven means lost inventory, health code violations, and closed doors. You need capital in 24–48 hours, not 3 weeks.
Labor and Payroll Gaps
Food service payroll is weekly or bi-weekly. One slow stretch can create a payroll gap even for profitable businesses. MCA repayment adjusts daily with your revenue — slow days mean smaller payments.
Lease Renewals and Buildouts
Landlords often require 2–3 months of rent upfront for renewals or new locations. A 30-day funding window destroys your negotiating leverage. Fast capital keeps you in control.
What businesses fund with Commera
Common uses for businesses in your industry.
Equipment Replacement
Commercial refrigeration, ovens, hood systems, POS upgrades — funded in 24–48 hours.
Seasonal Bridge Capital
Cover payroll and fixed costs during slow months without dipping into reserves.
Catering and Event Inventory
Secure bulk food and supply orders for large events without tying up operating capital.
Second Location Deposit
Move on a lease opportunity before another operator does.
Kitchen Renovation
Health code upgrades, capacity expansion, or efficiency improvements.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
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