$1M – $3M a year

$1M to $3M: the core of what we do.

A single full-service room or a small group with good reviews and a specific project to fund. Every instrument we work with is on the table here, and the job is choosing between them.

Dining credit: core mandate

What it looks like

Dining-credit funding fits rooms with empty seats on some nights; an SBA loan fits owners with clean financials and time; equipment finance covers the hardware. Many owners in this band use two of them.

This is also where the real cost of each option diverges most, which is why we model them against your own food cost and capacity before recommending one.

Typical raise at this size$75,000 to $400,000

Credit to honor2× the raise

Instruments we'd model first

Dining-credit purchaseQuality full-service restaurants with empty seats funding a specific growth project
SBA and bank loansOwners with time, strong financials and the willingness to guarantee
Equipment financingOvens, hoods, refrigeration, POS hardware

Doing $1m – $3m? See whether the rest of the profile fits.

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.