How Covers is paid, and what that does and doesn't change.

Covers Advisory is an independent capital advisory and referral service for restaurants. We are not a lender, bank or broker-dealer, and we are not affiliated with, endorsed by or acting on behalf of inKind, Inc. or any other funding partner unless stated in writing. Each partner makes its own credit decision on its own terms and we have no influence over the outcome.

Who may pay us

• inKind. When a restaurant we place signs a dining-credit funding agreement, inKind pays us a placement fee. The terms of that program are being confirmed and will be summarized here when they are.
• Lending marketplaces and lenders. If you apply to a lender through a marketplace we link to, that marketplace may pay us a fee per qualified application.
• Honeycomb Credit and Rewards Network. These providers appear to accept referrals. We will disclose any arrangement here when one exists.

Who doesn't

Toast Capital, Square Loans, Clover Capital and DoorDash Capital are offered only inside those platforms. We earn nothing when you take them, and we recommend them when they fit.

What payment doesn't change

The routing on this site, in our questionnaire and in our follow-up email is the same whether or not we are paid by the partner it lands on. The restaurant never pays us. Where a provider pays us, that is stated on the provider's page. We do not accept payment for placement, reviews or ratings.

What this site is not

Nothing here is an offer of financing, a quote, an approval, a guarantee or financial, legal or tax advice. The calculator is an estimate built on publicly described terms. Any agreement you sign with inKind or any other provider carries its own obligations; have your accountant and lawyer review it.

Sources and dates

Figures about inKind (network size, capital deployed, closure rate) come from public interviews and inKind's own materials and are dated where they appear. Terms for other providers are checked against their published pages and dated. Owner quotations are from public forums, anonymous and unverified, and are used only to illustrate what owners ask about.

Questions about any of this: deals@coversadvisory.com.