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.
Funding options
Every way a restaurant raises money, explained before you're pitched it.
Each guide covers how the product works, what it really costs, who it fits and who should pass. Read the one you've been offered, then talk to us about the rest.
5 min read
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.
4 min read
New guests at full price: the dining-sales purchase
A quieter cousin of dining credit for owners who don't want a visible discount.
4 min read
Shopping a restaurant loan without talking to six banks
What a lending marketplace does well, and the offers to read twice.
3 min read
Capital for delivery-first kitchens
Advances against delivery sales: who they fit and who should pass.
4 min read
Square Loans for small-ticket restaurants
Fixed fee, short term, repaid from card sales. Honest and capped.
Not sure which one you've been offered? Tell us about the restaurant.
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.