7 min read
Growth capital repaid in covers, not payments
How dining-credit funding works, what it really costs, and the kind of room it suits.
Restaurant capital advisory
The right capital for your restaurant.
We help restaurants doing $500,000 or more a year raise money to grow: new locations, renovations, equipment, working capital. One conversation, every option on the table, and no fee to you. Our funding partners pay us when a deal closes.
$350M+
funded to restaurants through our partners
3,500+
restaurants funded across the partner network
$0
fee to the restaurant, ever
2 min
to get a first read on your options
What we do
Funding for the next thing your restaurant wants to do.
Growth capital is sold to restaurants one product at a time, each pitched as the cheap one. We work for the restaurant: we look at what you're trying to do, put the realistic options side by side with real numbers, and arrange the one that fits. Whether that ends up being a dining-credit partner, a bank, an equipment lender or your own POS provider, you see why.
- New locations and buildoutsCapital for the second room, the bigger room, or the first one in a new city.
- Renovations, patios and equipmentDining rooms, bars, hoods, ovens, refrigeration and POS, financed the right way for each.
- Working capital and refinancingA cushion for a slow season, or a way out of an expensive advance.
- 01
Tell us about the restaurant
Two minutes, no credit pull. What you do, where you are, and what the money is for.
- 02
See your options
We match the restaurant with the funding partners and products that fit, and show you what each really costs.
- 03
Choose, and we handle the rest
We introduce you, shape the file, and stay on the call through the paperwork. You never pay us.
Funding options, explained
Know what you're signing before you sign it.
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The SBA loan is still the cheapest money. Here's what it takes to get one.
Rates, guarantees, timelines, and when it's worth the wait.
4 min read
If the money is for an oven, borrow against the oven
Equipment loans and leases, and why they beat using working capital for hardware.
5 min read
The capital offer sitting in your POS dashboard
Toast, Square and Clover advances: fast, modest, and repaid from every swipe.
4 min read
When your regulars become your lenders
Community lending for neighborhood favorites, at a fixed rate and in public.
5 min read
Merchant cash advances, and how to get out of one
The money that arrives the same day and costs the most of anything on this site.
How we're paid
Free to the restaurant. Always.
Our funding partners pay us when a deal we arrange closes. You don't pay us anything, at any stage, and there's nothing to sign with us.
Because we work with many partners rather than one, our job is to find the fit, not to sell a product. Where a partner pays us, we say so on that partner's page. The recommendation is the same either way.
Our disclosure, in fullTell us about the restaurant. We'll tell you what's realistic.
Two minutes, no credit pull, no fee.
Covers Advisory is an independent capital advisory, not a lender. We do not make funding decisions, and we are compensated by funding partners when a placement we arrange closes. Our recommendation is the same whether or not a partner pays us. How we're paid.