Live Chat
Fast Food Financing

Fast Food Financing

Fast Food Restaurant Business Funding for Bad Credit

Securing funding for a fast food restaurant with bad credit can be challenging, but several options are available. Online lenders do consider factors beyond your credit scores. They look at business revenue and potential. This makes them more flexible in their lending criteria. Merchant cash advances, provide upfront funds in exchange for a percentage of daily credit card sales, offering a fast financing solution.

Equipment financing is another avenue, using the equipment itself as collateral, which can make it easier to qualify despite bad credit. Improving your credit over time can expand your funding options. This can be achieved by making timely payments, reducing debt, and maintaining low credit card balances. Getting funding with bad credit may mean higher costs and stricter terms. But, if you research and consider your options, you can find the best financing for your fast food restaurant.

Advantages of Merchant Cash Advance for Fast Food Business

MCAs have several advantages for fast food businesses. They are useful when traditional loans are not workable due to bad credit or other factors.

  • Accessible funding
  • Flexible repayments
  • Simple application process
  • Use funds as needed

Business Capital USA's merchant cash advances (MCAs) offer fast funding. It comes within days and needs minimal paperwork. Approval is based on business revenue and credit card sales, even with bad credit. Repayment is flexible, linked to daily credit card sales, and the MCAs are unsecured, eliminating collateral concerns. We provide a convenient and flexible funding solution for fast food businesses.

Eligibility Criteria to Apply for a Fast Food Restaurant Loan

The eligibility criteria for applying for a fast food restaurant loan can vary depending on the lender and the type of loan you're seeking. But, here are some common criteria you might encounter:

  • 1 year in business
  • Monthly revenue is not less than $15,000
  • The business owner possesses a Social Security Number
  • The Business Tax ID / EIN is valid
  • 3 months bank statement is available

It's essential to check with individual lenders for their specific eligibility criteria and to prepare all necessary documents before applying for a fast food restaurant loan.


Business Cash Advance from Business Capital USA was the perfect and timely choice for my restaurant business. The funding process was relatively easy and quick. It is definitely the effective way forward for small business funding.

Jayme B., Restaurant
The funding service was exceedingly great. I appreciate the open and honest loan information and quick process of funds. I will definitely come back to Business Capital USA for my restaurant funding needs.

Arlean B., Restaurant & Café
I was in need of extra financing to upgrade my commercial kitchen. I availed restaurant financing from Business Capital USA and was not disappointed. Besides, I have nothing to worry with the manageable repayment option.

Randy E., Canteen Restaurant
My business hit a rough ground and I was in short supply of funds. I applied for merchant cash advance for restaurants with Business Capital USA and it was fabulous to work with them. Many thanks!

Christy C., Food Court