Invoice financing for restaurants
Invoice financing for restaurants — cash flow through every season
Catering, events and contract customers bring solid sales, but payment terms drag. With invoice financing you turn sent B2B invoices into cash the same day.
See how much you get from your invoices
Adjust the invoice amount and payment term. We show the money to your account today and the fee estimate.
To your account today (net)
€49,510
- Financing (100 %)
- €50,000
- Fee (0.98 % / 30 days)
- €490
Money in your account the same day
Why a restaurant owner uses invoice financing
Cash conversion is everything in food service — ingredients, wages and rent don't flex even if a catering customer pays in 45 days. Invoice financing releases the cash from sent invoices immediately so you can focus on the food, not on collections.
Catering and event invoices to cash the same day
Pay ingredients and wages on time even in slow months
Lunch partnerships and corporate monthly billings financeable
No collateral — the invoice itself is the security
No contract lock-in — finance only the invoices you choose
Credit check is on the customer, not on you
Typical use cases — restaurants and catering
Catering and event service
A €12,000 event billed with a 30-day term. You get 95% tomorrow and order ingredients for the next event without a credit card.
Lunch and contract customers
Corporate monthly billings bring predictable sales but tie up cash. Finance each invoice immediately and keep ingredient orders rolling.
Opening a second location
A new opening needs a ramp-up period. Advances on existing B2B invoices fund equipment and marketing costs.
Industry pain points and how invoice financing solves them
Long B2B payment terms
Challenge: Corporate customers pay in 30–60 days, but ingredients are due on order day.
Solution: We finance the invoice immediately — up to 95% advance the same day.
Seasonal and weekly swings
Challenge: Summer terraces or Christmas events concentrate sales into a few months.
Solution: Finance peak-season invoices immediately and smooth cash flow year-round.
Front-loaded labour costs
Challenge: Wages go out monthly even if customer payments are sporadic.
Solution: Released cash secures wages and payroll taxes on time without a short-term loan.
Single large-customer risk
Challenge: One large contract customer paying late can sink a small restaurant's cash.
Solution: In a non-recourse model the credit loss sits with us — you get paid even on a default.
Is invoice financing right for restaurants and catering?
Right for you if…
- Restaurant has regular B2B billing (catering, lunch, events)
- Customers are creditworthy Finnish companies
- Invoices sent as e-invoice or PDF
- Revenue at least €80,000
May not fit if…
- Pure consumer (B2C) sales with no B2B invoices
- Cash and card-terminal-only sales
- Brand-new restaurant with no deliveries yet
Frequently asked questions
Start restaurant invoice financing today
We usually get back to you the same business day. Submitting is non-binding.
See also: Invoice financing · For SMEs · What is factoring? · Pricing