Invoice financing — restaurants
Invoice financing restaurants — a better alternative to a business loan
Restaurants benefit more from invoice financing than from a business loan: money the same day, no collateral, no long contracts.
Instead of a business loan — we recommend invoice financing
Restaurants typically wait 30–60 days for payment. With invoice financing you turn invoices into cash immediately — without taking on new debt.
Invoice financing can be a faster option — money the same day with no long-term contract.
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
How invoice financing works
Three steps — your invoice to cash
No long contracts, no collateral, no hidden fees. You only pay for the invoices you finance.
- 1~ 2 min
Send the invoice
Send your B2B invoice to your customer as usual and copy us. We typically approve financing within minutes.
- 2Same day
Get the money
We pay up to 95 % of the invoice into your account, usually the same day. The rest is paid out when your customer settles the invoice.
- 3On due date
The buyer pays us
Your customer pays the invoice to us on the due date. You focus on running your business — we handle the rest.
What do restaurants use the freed-up cash for?
Kitchen equipment and cold rooms
Renovation and dining-room redesign
Opening a new venue or franchise
Working capital for the quiet season
Hiring and training staff
Marketing and concept development
Is invoice financing right for you?
Right for you if…
- Your restaurant has been operating for over 6 months
- Cash flow is solid but you need an investment
- You're considering a new venue or renovation
May not fit if…
- Restaurant has been operating for less than 3 months without a track record
- Cash flow is heavily negative and won't improve
Comparison
Invoice financing vs. business loan
A business loan is often an expensive and slow solution for a short-term cash need. Invoice financing releases the money that already belongs to you — instantly.
| Invoice financing Recommended | Business loan | |
|---|---|---|
| Money in your account | Within the same day | 1–7 business days |
| Collateral | Not required — the invoice acts as security | Often a personal guarantee |
| Commitment | No contract lock-in, use per invoice | 12–60 month contract |
| Financing amount | Scales with your revenue | Fixed loan amount |
| Cost | Fee from 1.5 % per invoice | Annual rate from 6.9 % + fees |
| Default risk | Can be transferred to us (non-recourse) | On you |
Frequently asked questions
Apply for invoice financing — restaurants
We usually get back to you the same business day. Submitting is non-binding.
See also: Business loan · Invoice financing · Start-up financing