01
Food and beverage inventory
Buy proteins, produce, beverages, and packaging ahead of a busy service period.
Restaurants funding
Restaurant working capital for the costs between service and sales.
A busy dining room can still leave a short gap when food invoices, payroll, and equipment repairs arrive before the next run of card deposits.
Where the money goes
Put restaurant funding to work where service depends on it.
Restaurant working capital is most useful when it is tied to a specific operating pinch, not a vague promise of growth.
02
Payroll between deposits
Cover scheduled wages when weekly payroll falls before a weekend of customer receipts.
03
Kitchen and refrigeration repairs
Handle an oven, walk-in, point-of-sale, or hood repair before it interrupts service.
04
Catering and event prep
Purchase supplies and staff an approved catering commitment without draining daily operating cash.
05
Leasehold improvements
Refresh seating, signage, or a service area when the business case is already clear.
The working path
How restaurant funding based on sales can fit the service cycle.
01
Map the next service gap
Tell us whether the pressure is food purchasing, payroll timing, a repair, or a known event. The use helps frame the request.
02
Share the operating picture
Complete the online form with revenue, time in business, estimated credit score, and the amount that would keep service moving.
03
Review a partner structure
Avyron, a commercial financing broker, works to match the file with third-party capital partners. Any offer comes from a partner.
04
Choose only if it fits
Read the written offer, including its remittance or ACH schedule and total repayment, before deciding whether to proceed.
Illustrative only
A transparent look at the calculator model.
A restaurant averaging $85,000 in monthly revenue may use a revenue-variable remittance to align repayment with sales. The following fixed ACH figures are a separate payment illustration based on the same total repayment.
Illustrative only, not an offer of credit.
Assumptions
- Average monthly revenue
- $85,000.00
- Remittance rate
- 10%
- Factor rate
- 1.35
- Term
- 9 months
Calculated figures
- Monthly remittance
- $8,500.00
- Total repayment
- $76,500.00
- Estimated funding
- $56,666.67
- Fixed ACH daily
- $425.00 x 180
- Fixed ACH weekly
- $2,125.00 x 36
Model: monthly remittance equals average monthly revenue multiplied by the remittance rate. Total repayment equals monthly remittance multiplied by the term. Estimated funding equals total repayment divided by the factor rate. One month equals 20 business days and 4 weekly periods. The monthly remittance is a calculation base. Actual remittances are daily or weekly. Fixed ACH is shown separately from a revenue-variable remittance.
What we look at
Context matters more than one line on a file.
A partner will look at how the restaurant actually collects and spends cash, including deposits from service, catering, delivery, and other channels.
- Minimum credit score of 500
- Minimum six months in business
- Steady recurring deposits
- Revenue pattern, payment history, bank activity, and the full business picture
No approval is guaranteed. The capital partner makes the final decision, and any offer is stated in writing with its own underwriting and terms.
Restaurants questions
Questions about restaurants funding
Direct answers about structure, timing, and what a capital partner may review.
Can restaurant funding cover a food order before a busy weekend?
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It may be considered when the order supports an established sales pattern and the requested amount fits the restaurant’s cash flow. Avyron does not approve or fund applications itself. A third-party capital partner reviews the deposits, time in business, requested use, and other underwriting factors before making any written offer.
Are card deposits considered when I apply for restaurant working capital?
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Yes, recurring card and bank deposits can help show how the restaurant collects revenue. Partners may also consider catering receipts, delivery deposits, seasonality, existing obligations, and payment history. Deposits are only one part of the review, so they do not create an approval guarantee or replace the partner’s underwriting.
Would a kitchen repair be a reasonable use of business funding?
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A kitchen, refrigeration, point-of-sale, or ventilation repair can be a practical use when it protects ongoing operations. The structure depends on the partner and the request. Equipment financing may be another route to compare, while revenue-based financing may use a different repayment schedule and qualification review.
Can a seasonal restaurant apply before its strong months?
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Yes, a restaurant can submit an application before a seasonal period, but expected sales alone do not determine an offer. The partner reviews actual revenue history, recurring deposits, current obligations, and the amount requested. Any timing or amount is subject to partner underwriting, and approval is never guaranteed.
Keep the next service period in view.
Avyron Capital is a commercial financing broker. We connect businesses with a network of third-party capital partners. We are not a bank and not a direct lender. All funding offers are made by our capital partners and are subject to their underwriting and terms.
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