Restaurant Funding
When You Need It Most
£5,000 to £1,000,000 for renovations, equipment upgrades, staff costs, or seasonal cash flow.
Decision in 24 hours. Based on your card sales, not credit score.
We Fund Restaurant Growth
Whatever stage you're at, we can help
Dining Area Refurbishment
£15K-£50KModernize your space to attract more customers. New furniture, decor, lighting, and ambiance upgrades.
- Interior redesign
- New seating & tables
- Lighting upgrades
- Bar renovation
Kitchen Equipment
£10K-£40KUpgrade to commercial-grade equipment. Increase capacity, improve efficiency, meet health standards.
- Commercial ovens
- Walk-in fridges
- Extraction systems
- Prep equipment
Staff Costs & Recruitment
£5K-£25KCover wages during quiet periods or when hiring and training new team members.
- Chef recruitment
- Training programs
- Seasonal staff
- Retention bonuses
Seasonal Cash Flow
£10K-£60KBridge the gap during quiet months. Stock up for peak season. Maintain operations year-round.
- Winter cash flow
- Pre-summer stock
- Marketing campaigns
- Menu development
Expansion & New Locations
£25K-£100KOpen a second location or expand your current premises. Capitalize on success.
- Lease deposits
- Fit-out costs
- Equipment for new site
- Initial stock
Emergency Repairs
£5K-£30KUnexpected equipment failure? Urgent repairs needed? Get funding within 48 hours.
- Boiler replacement
- Fridge breakdown
- Structural repairs
- Emergency upgrades
Restaurant Success Story
Bella Vista Restaurant, Manchester
Italian Restaurant • 80 Covers • Established 2018
The Challenge
Dining area looked dated. Losing customers to newer competitors. Needed complete refurbishment before summer season but had exhausted overdraft.
The Solution
£25,000 merchant cash advance based on strong card sales history. Approved in 24 hours, funds received in 3 days. Used for complete dining room renovation and new commercial oven.
The Results
- 40% increase in covers per night
- Average spend per table up 25%
- £12,000 additional monthly revenue
- Fully repaid advance in 8 months
- Reinvested savings into marketing
- 5-star reviews increased by 60%
"The funding came through in 3 days - just in time for our renovation. The flexible repayments meant we could manage cash flow during quieter weeks. Best business decision we made this year."
Why Restaurants Choose CapExpand
We understand the unique challenges of the hospitality industry
Based on Card Sales
Restaurants have high card payment percentages. We fund based on your actual revenue, not arbitrary credit scores or outdated financials.
Seasonal Flexibility
Quiet in January? Pay less. Packed in December? Pay more. Repayments automatically adjust to your revenue throughout the year.
Lightning Fast
Kitchen equipment broken? Staff crisis? Competitor opening next door? Get funding in 48 hours, not 6-8 weeks like traditional loans.
Hospitality Experts
Our team understands restaurant cash flow, seasonal patterns, and industry challenges. We speak your language and move at your speed.
Flexible Requirements
Don't risk your home or personal assets. Funding is based on business performance. Your personal life stays separate from business finances.
Transparent Costs
No hidden fees, no surprises. You know exactly what you'll repay before you sign. Factor rates typically 1.3-1.5x for restaurants.
Fund Your Restaurant's Next Chapter
Join 100+ UK restaurants who've used CapExpand funding for renovations, equipment, staff, and growth.
Decision in 24 hours • No credit check for quote • Options with & without personal guarantee