Funding for your day-to-day restaurant needs.
- Renovate the dining room, redo the kitchen, or repair walk-ins on short notice
- Open a second or third location: buildout, equipment, opening payroll
- Smooth seasonal cash flow during the post-holiday or winter dip
- Cover essential costs alongside existing financing when affordable
- Buy essential equipment: hoods, ovens, walk-ins, and ice machines
Financing options for your Canadian business.
Working capital is a common starting point where appropriate. Term loans may also be available, with each offer and schedule set by the lender.
Revenue-Based Financing
An option for businesses with strong sales history, with repayment terms set by the lender.
Learn more →Line of Credit
For the strongest business and credit profiles only. May be considered for surprise repairs and inventory pushes, subject to lender review.
Learn more →Term Loan
Renovations and second locations, with the amount and payment schedule set by the lender.
Learn more →Start with the right information.
Working-capital applications are generally considered for Canadian businesses with at least six months in operation and at least $10,000 in monthly revenue. Approval depends on lender review, and additional documents may be requested.
What to prepare
- Recent business bank statements
- Existing financing obligations
- How you intend to use the funds
Three steps from application to lender decision.
Apply in minutes
Share your business details and connect your bank or upload recent statements.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Review the offer
If approved, review the lender’s schedule, costs, and conditions before you decide.
Canadian restaurant financing: common questions.
Do you underwrite on POS data?+
Business bank statements are the starting point. Lenders may also request POS or processor statements to understand sales and deposits.
I had a tough quarter. Can I still qualify?+
A tough quarter is part of the lender review. Recent deposits, the longer trend, existing obligations, and the requested use all matter.
How are repayment terms set?+
The lender sets the payment schedule and structure in the offer. It may include fixed daily or weekly payments, depending on the product.
Can I finance a second location?+
You can apply to finance a buildout. The lender sets the repayment schedule, which may begin before the new location produces revenue. Include that timing in your budget.
What about food truck conversions?+
Food trucks and mobile concepts are eligible under our food-truck financing, covered on the food-truck industry page.
Other industries we fund.
Ready to fund your company's future?
Start your Canadian business funding application online. An advisor will review your needs and explain any available lender offers.