Restaurant owner reviewing an Upserve Capital funding offer on a laptop at the bar

Funding that moves with your restaurant.

Upserve Capital provides eligible current customer restaurants fast access to business funding, with a clear one-time fee and repayment that adjusts with your daily card sales.

Are you an Upserve Customer?

Check Eligibility in Upserve HQ
A cook tending a wood-fired pizza oven in a restaurant kitchen

Make a move on that opportunity.

Renovate your space or invest in new equipment. Or, simply give your cash flow some breathing room. Upserve Capital gives eligible restaurants funding of up to $500,000 without a lengthy process that may come with traditional financing. Applying takes minutes. Funding arrives in as little as 2 days.

Repay at the pace of your business.

Repayment amount flexes with your card sales vs a fixed monthly schedule. You’ll have a set percentage of card sales going toward your balance, so when business is good, you repay the financing faster, and when sales are slower, you repay less.

Laptop showing a weekly sales bar chart with Upserve Capital repayment rising and falling with daily sales
Funding received

Know the cost from the start.

Your offer clearly shows the amount you’ll receive, the one-time flat fee, total amount owed, and repayment rate. No late-payment penalties, no accruing interest, and no deadlines.

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Laptop showing an Upserve Capital offer: $30,000 funding, $4,200 one-time fee, $34,200 total owed, repaid at 11% of daily card sales

How it works

  1. As an Upserve customer, you’ll submit an application with no impact on your credit score.
  2. Receive the offer with clear, predictable terms.
  3. Receive funding within 1–2 business days.
  4. Repay as you sell – a fixed percentage of your daily card sales automatically goes toward your agreed total.

FAQ

Is Upserve Capital a traditional business loan?

No. Upserve Capital is structured as a merchant cash advance. Repayment is tied to a percentage of daily card sales vs a fixed monthly loan payment.

How is eligibility determined?

Offers are based on your payment processing history with Upserve. Eligibility and offer terms vary by business.

How much will funding cost?

Your offer will show a one-time flat fee and total amount owed before you accept. No accruing interest or late-payment penalties.

What happens if I have a slow sales day?

Repayment is based on a percentage of daily card sales, so the amount repaid decreases when sales are lower and increases when sales are stronger.

Check Eligibility in Upserve HQ