Small business loans and credit for restaurants and cafés

Restaurants have uneven cash flow, so repayments that track sales are easier to carry than fixed monthly bills. Square Loans offers advances for a flat fee with no interest, repaid from card sales, and offers appear automatically. You must sell through Square and repay a minimum every 60 days; Lendio shops one application to 75+ lenders.

All 12 loans & credit tools, ranked for restaurants and cafés

Tool	Fit for restaurant or café	Starts at	Pricing	Users	Integrations
Square LoansBlockFit 85	85	Flat fee, no interest	Paid	n/a	Square only	View
LendioLendioFit 80	80	Free to apply	Free	n/a	Bank and accounting connections	View
CrediblyCrediblyFit 78	78	Factor rates from 1.11	Paid	n/a	Soft credit check to apply	View
National FundingNational FundingFit 75	75	Rates by quote	Paid	n/a	Bank connection	View
Fora FinancialFora FinancialFit 75	75	Factor rates from 1.13	Paid	n/a	Soft credit check to apply	View
KapitusKapitusFit 72	72	Rates from 6.2%	Paid	n/a	Bank connection	View
OnDeckOnDeckFit 70	70	Avg 53.2% APR	Paid	n/a	Bank connection	View
Bluevine Line of CreditBluevineFit 68	68	Rates from 7.8%	Paid	n/a	Bluevine checking, bank connection	View
Headway CapitalHeadway CapitalFit 68	68	Interest + 2% draw fee	Paid	n/a	Bank connection	View
QuickBooks CapitalIntuitFit 65	65	From 13.49% APR, no fees	Paid	n/a	QuickBooks Online (apply inside it)	View
Stripe CapitalStripeFit 40	40	Flat fee, no interest	Paid	n/a	Stripe only	View
Shopify CapitalShopifyFit 15	15	Flat fee, no interest	Paid	n/a	Shopify	View