Funding for Restaurants
Thin margins, daily swings, and big ambitions — restaurants need capital that moves as fast as service. Lúmen funds renovations, expansions, and equipment with repayment that flexes with your sales.
What restaurants businesses are up against
Tight margins
Food and labor costs leave little cushion, so an unexpected expense can throw off the whole month.
Daily sales swings
Revenue rises and falls by the day and season — a fixed monthly payment doesn't fit that rhythm.
Equipment failures
A walk-in or oven going down mid-service is an emergency you can't schedule around.
Expansion costs
Renovating, adding seating, or opening a second location takes capital you can't pull from the register.
Funding solutions for Restaurants
These products fit how restaurants businesses actually operate. Explore each in detail.
How we help restaurants
Common use cases
- Renovate the dining room or add seating
- Replace failed kitchen equipment fast
- Open a second location
- Fund marketing for a grand opening or slow season
“A merchant cash advance let us renovate the patio before summer. Repayment flexed with our sales, so the slow weeks never squeezed us.”
Do you qualify? Most restaurants businesses with 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score can qualify. Checking your offers takes about five minutes and won't affect your credit score.
Fund your restaurants business
Tell us your goal and a funding advisor will match you to the right product — usually within minutes. Apply with no impact to your credit score.