How restaurants underwrites
What differs here from the general order underwriters work in.
- Card volume is usually a large share of deposits, which makes remittance capacity unusually legible in the statements.
- Margins are thin, so a remittance that looks affordable against revenue can be unaffordable against profit. This is the vertical where an oversized advance does most damage.
- Multiple locations are frequently run through one account, which inflates apparent revenue for a single-site file.
- Delivery platform payouts arrive on their own schedule and can make deposit patterns look irregular when the underlying trade is steady.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Why restaurants deals get declined
Screen for these on the first call.
- 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
Funder appetite
Which funders want this paper, and when.
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.
Seasonality
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.
How we handle verticals
Leads are assigned in rotation off live traffic, not picked from a menu — we cannot promise a pure order of any single industry. What we can do is tell you honestly whether the volume exists to weight your leads toward restaurants, before you spend anything.
Exclusive-lead minimums
Every exclusive lead clears all of these, whatever the vertical. The minimums apply to exclusive leads only.
- Over $30,000/month in revenue
- Requesting over $15,000
- 6+ months in business
- 4 months of bank statements available
- U.S.-based
- Mobile-verified by 6-digit code
- Complete contactable record
Questions
What revenue do restaurants leads typically show?
$25K–$120K/month for independents, with advances typically landing at $10K–$60K. Every exclusive lead clears the same 7 minimums regardless of vertical.
Can I get only restaurants leads?
Weighted toward restaurants, yes, where volume allows; a guaranteed order of only restaurants leads, no — leads are assigned in rotation. They come off live traffic rather than a menu, so a pure single-industry order is not something we can honestly promise. Weighting needs the volume to support it, and we will tell you plainly before you order whether it does. Restaurants and food service was the second-largest industry in the 767 qualified leads our main Meta campaign produced in the week to 5 September 2026, behind trucking.
Why do restaurants deals get declined most often?
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.
How much do the leads cost?
Exclusive, mobile-verified MCA leads run $65–$120 on the open market (checked 29 August 2026). Ours are $60 each, sold to one broker. Shared leads are $40 and aged leads are $0.35. Live submission data is quoted directly. Every band on the market, and the cost per funded deal, is in how much MCA leads cost.
Full pricing and the market context is on the buy page. The other three products have their own pages: shared MCA leads, aged MCA leads and live submission data.
Other verticals
$30K–$180K/month, clustered at the lower end for owner-operators
$50K–$400K/month, with a long tail above
$60K–$300K/month
$30K–$200K/month
$40K–$250K/month
$30K–$150K/month for independents, higher for multi-bay collision
$50K–$500K/month, scaling fast in either direction
$30K–$90K/month for a single location
$40K–$300K/month gross, with true margin a fraction of it
$30K–$120K/month for independents and single-location studios
$30K–$180K/month in season, far lower out of it
$60K–$600K/month
$80K–$700K/month gross, with margin a small fraction of it