Hospitality is daily-sales revenue and thin margins. Traditional banks want two years of tax returns and a personal guarantee for a $50K line. We underwrite off your POS and processor data, and payments flex with what the register actually did last week.
Lump sum today, repaid as a fixed percentage of daily card batches. Slow Tuesday pays less; packed Saturday pays more. Perfect for seasonal or event-driven operators.
Revolving line sized against trailing monthly revenue. Draw for seasonal buildup, restock, or a slow month; repay as a share of monthly sales.
Finance ovens, walk-ins, POS systems, espresso machines, bar builds, hotel FF&E, or a full kitchen remodel with 100% financing and terms up to 60 months.
For approved franchise brands: build-out, opening package, initial inventory, and working capital reserve. We know the concept unit economics.
Advance against DoorDash, UberEats, Grubhub, and OTA (Booking, Expedia) payouts. Get access to next-day cash instead of waiting on the platform's payout cycle.
Short-term bridge for hotel acquisitions, PIP renovations, brand conversions, or refi of maturing CMBS. Interest-only structures with extension options.
Every industry has its own cash-flow shape. We built products that fit yours.
A bank sees uneven deposits and gets nervous. We see a healthy weekend pattern. Underwriting is built on POS batches, tips, and processor data — not just tax returns.
Rent, insurance, and payroll don't take a January off. Revenue-based structures make sure your loan doesn't either — payments shrink when the covers do.
Delivery and OTA payouts can lag 7–14 days. That's a whole payroll cycle. Platform-AR advances turn tomorrow's Uber payout into today's deposit.
