High card volume, thin margins and heavy seasonality. Restaurants were the original merchant cash advance customer because card receipts made repayment easy to collect — and they remain a vertical where the daily remittance genuinely fits the cash flow.
High card volume, thin margins and heavy seasonality. Restaurants were the original merchant cash advance customer because card receipts made repayment easy to collect — and they remain a vertical where the daily remittance genuinely fits the cash flow.
Pronounced and location-dependent. Coastal and tourist-area restaurants can show a four-month statement that captures only their off-season, which is worth flagging in the file rather than leaving to the underwriter to guess at.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Negative days, which are more common here than in almost any vertical
Seasonal closures reading as failed months
Margins too thin to absorb the requested remittance
Recent opening — the failure rate in the first two years keeps floors high
Broad. Most funders take restaurant paper and many price it well, because card receipts are predictable and the collection mechanism fits. The constraint is usually deal size rather than willingness.
The feed is a round robin off live traffic, not a menu — we cannot promise a pure feed of any single industry. What we can do is tell you honestly whether the volume exists to weight your feed toward restaurants, before you spend anything.
$25K–$120K/month for independents, with advances typically landing at $10K–$60K. Every lead clears the same six minimums regardless of vertical — $30K+ monthly revenue, $15K+ requested, six months trading, four months of statements available, U.S.-based and mobile-verified by a 6-digit code.
Not exclusively. The feed is a round robin off live traffic rather than a menu, so a pure single-industry feed is not something we can honestly promise. We can weight your feed toward a vertical where the volume supports it, and we will tell you plainly before you order whether it does.
Negative days, which are more common here than in almost any vertical, most commonly. The others worth screening for on the first call are seasonal closures reading as failed months, margins too thin to absorb the requested remittance, recent opening — the failure rate in the first two years keeps floors high.
$60 per lead across every vertical, with a 25-lead minimum. A feed filtered to merchants doing $50,000 a month or more is $70. Full pricing and the market context is on the buy page.
Trucking and transportation
$30K–$180K/month, clustered at the lower end for owner-operators
Construction and contracting
$50K–$400K/month, with a long tail above
Medical practices and med spas
$60K–$300K/month
E-commerce and retail
$30K–$200K/month
Home services — HVAC, plumbing, electrical
$40K–$250K/month
We will tell you straight up if we cannot help you. No commission deals, no free trials, no chasing you for three weeks.