$750K – $1M a year

$750K to $1M: real options, chosen carefully.

At this size a well-reviewed room can raise meaningful capital, but the instrument matters more than anywhere else. The wrong product takes too big a bite out of a year's sales.

Dining credit: case by case

What it looks like

Dining-credit funding is possible for rooms with strong reviews and a real check average; $50,000 of funding means $100,000 of credit, a tenth of a year's sales or more, so capacity on slow nights decides it.

POS capital and equipment finance fit most needs under $100,000. A bank becomes realistic as you approach $1M with two years of returns.

Typical raise at this size$25,000 to $100,000

Credit to honor2× the raise

Instruments we'd model first

Dining-credit purchaseQuality full-service restaurants with empty seats funding a specific growth project
Toast CapitalToast restaurants needing fast, modest capital
Equipment financingOvens, hoods, refrigeration, POS hardware

Doing $750k – $1m? 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.