Published: ·Last updated: ·By Ed Freeman, Capital Advisor. PeerSense
What is the best financing for restaurant / food service at N/A LTV?
MCA stacking is a pass on this desk. Working capital is B2B factoring from $20 million a month. Originator tapes from $100 million a month. Talk to PeerSense.
Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder
Restaurant / Food Service merchant cash advance
MCA stacking is a pass. Working capital on this desk is B2B factoring from $20 million a month. Talk to PeerSense.
Minimum 30-35% equity required. Operators with a real B2B receivables book from $20 million a month.
Deal Parameters at a Glance
LTV Target
N/A
Est. Rate Range
Follows the book
Term
Follows the book
Recourse
Debtor credit
DSCR
N/A
Closing Speed
Follows the book. No 5 day close.
Min Loan Size
$20 million a month
Loan Products
Invoice Factoring
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
When Is This the Right Fit?
Use this page when a merchant cash advance search lands. The live box is B2B factoring from $20 million a month. MCA stacking is a pass.
Want the full program overview, current rate sheet, and underwriting matrix? See the Invoice Factoring & ABL guide →
Key Benefits
Frequently Asked Questions
See Related Rates by Program
PeerSense covers the full commercial capital stack. These are indicative levels direct capital sources have been pricing across these programs as of October 1, 2026.
Originator warehouse
$100M a monthFocus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
CMBS Conduit
5.60 to 7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00 to 14.00%$10 million and up. Cash in about 35 percent. Name the takeout first.
Data Center
CRS to 89%$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
Contracted revenue sale
Up to 89%15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel Financing
SearchHotel financing is search only for $10 million and up, with cash in about 35 percent.
Private Credit
7.80 to 18.00%Non bank flexibility for commercial real estate at $10 million and up.
SBA 7(a) & 504
SearchSearch path. Not a growth lane on this desk.
DSCR Investor
SearchSearch path. Portfolio and multi property DSCR of $10 million and up.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Connect with PeerSense, Direct Capital Advisory
PeerSense pre underwrites every deal before presenting it to our institutional capital sources. With a curated network of lender relationships and live market rate intelligence, Talk to PeerSense about your restaurant / food service deal with the right capital source, right now.
Fee at closing only · Complimentary initial consultation
Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated September 2026.
Disclaimer: The information on this page is provided for educational purposes only and does not constitute financial, legal, or investment advice. Rates, terms, and availability are subject to change based on market conditions, property characteristics, and borrower qualifications. The rate ranges cited reflect approximate market pricing as of September 2026 and may not reflect current conditions at the time of reading. PeerSense sources capital through a curated network of commercial lenders and capital sources. All financing is provided by third party lenders subject to their own underwriting criteria and approval processes. Borrowers should consult with qualified financial and legal professionals before making any financing decisions.