Funding Built for Fine Dining & Full-Service Restaurants

Anything the business needs. Restaurants use Monera funding to make kitchen and service payroll through a slow stretch, bridge soft nights or cancellations, fund a dining-room refresh or an urgent equipment repair, buy inventory ahead of a holiday rush, and expand. You don't have to choose a product up front, you apply once and we match you to the funding you qualify for.

Funding generally ranges from $10,000 to $500,000. The amount you qualify for depends mostly on your monthly revenue and how long you've been in business, not on a single credit score.

Yes, this is one of the most common reasons full-service operators come to us. Table service carries the heaviest payroll of any restaurant format: a skilled back-of-house brigade plus a full front-of-house team. Full-service labor runs a median 36.5% of sales (National Restaurant Association, 2024) against a median pre-tax margin of just 2.8%, so a few soft weeks leave almost no cushion. Working capital funds payroll through the quiet stretch so you keep your team together until the covers come back.

That thin margin is exactly the case working capital is built for. The median full-service restaurant reported a pre-tax margin of just 2.8% of sales in 2024 (National Restaurant Association), so an empty Saturday, a wave of no-shows, or a slow shoulder season can swing a profitable month into a loss, and a fixed-capacity room can't re-sell the covers it lost. Fast, flexible funding bridges that operating-cash gap so a few soft nights don't put the whole month underwater.

Yes. A remodel of your leased dining room, new furniture and fixtures, or a kitchen upgrade is squarely fundable with working capital or a business loan. A permanent commercial kitchen and a finished front of house run well into six figures, more than a thin margin can self-fund, so we help you spread that cost instead of draining the operating account. (Note that we fund improvements within your leased space, not the purchase or ground-up construction of the building itself, see the real-estate question below.)

Fast. Approval typically comes within 4 to 8 hours, with funds following shortly after. When a walk-in, a hood line, or a key piece of the kitchen goes down, service stops and the revenue stops with it, so speed matters far more than a marginally better rate. You can use flexible working capital for an immediate fix, or equipment financing with terms up to 60 months and the equipment itself as collateral.

Yes. Holiday and special-occasion dining spikes covers, and you have to stock food and beverage and staff up before that revenue lands. Working capital or a line of credit lets you buy inventory and pre-pay suppliers ahead of the rush, often at better pricing, instead of stretching the account thin right when demand peaks.

We fund your business, not your guest's check. Our capital goes to your restaurant, for payroll, food and beverage, a dining-room refresh, equipment, and bridging slow weeks. It is not a consumer or diner-financing program that lets guests pay over time, and it is not a real-estate or hard-money loan to buy or build the building. We're a funding partner for your operating cash flow, not a mortgage and not a customer-credit product.

Yes. A business line of credit fits the soften-then-recover rhythm of table service well. You draw on it when covers dip or a slow stretch hits, then repay as the room fills back up, and you only pay interest on what you actually use. It's a good alternative to a single lump sum when the gap is recurring and timing-driven rather than one large one-time need.

It can. Most of a full-service restaurant's revenue is paid at the table the same day, so there's little customer receivable to fund. But if you run a private-events or banquet arm that bills clients on net terms, AR and invoice factoring can turn those unpaid invoices into cash now instead of waiting weeks to collect. For day-to-day dining revenue, working capital or a line of credit is the better fit.

Yes. For an established restaurant, a business loan or an SBA loan can fund a second location, more seating, or a major build-out. SBA loans offer longer terms and competitive rates but take longer to close and involve a more detailed process, so they suit a planned expansion rather than an urgent need. When you apply, we'll match you to what fits the move you're making.

Most restaurants we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue. If you've been open six months or more, you may be a fit even if you've only run through one season. We do require that 6-month minimum, so we don't fund pre-revenue or brand-new openings.

Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward. All credit profiles are considered, your sales history and day-to-day performance matter more than a perfect credit score.