Fund More · Restaurant Capital

Restaurant capital options, with the obligations in view

Funding decisions affect far more than the day a restaurant receives capital. A useful review starts with the business purpose, total economic cost, repayment or redemption obligations, cash-flow demands, and operational tradeoffs.

Questions to answer first

• What is the capital being used for, and what operating return would justify the commitment?
• What cash payments, fees, credits, discounts, delivery obligations, collateral or ownership rights are required?
• How do the contract terms behave if sales are below plan or a location closes?
• Who is the provider, what approvals apply, and are RFA or any third parties compensated?
• What are the alternatives, and what would change if the restaurant waited?

Evaluate structures against the restaurant

Bank and SBA loans, equipment financing, merchant cash advances, revenue-based arrangements, equity capital and dining-credit arrangements differ materially. Terms and availability depend on the provider and the restaurant. No structure should be described as risk-free simply because it does not carry a conventional loan label.

RFA can help organize a business-focused review and the questions to put to prospective providers. No approval, financing amount, pricing or timing is promised.

Review capital-planning approach · Discuss your restaurant’s needs

Email robert@superiorlifefinance.com to discuss your restaurant.