Fix the kitchen before a breakdown costs you a Saturday night.
Equipment and working capital for Canadian restaurants with steady card sales. One application, an experienced advisor, and no phone ringing all week.
Lenders in these industries underwrite from your deposits. That's why our first questions are about revenue, not your credit score.
Money for the things that grow the business.
Replace failing equipment
Coolers, ovens, fryers, hoods and dish machines, financed before a breakdown becomes a closed night.
Get ready for patio season
Furniture, heaters and staffing before the busy months, not after.
Renovate or open a second location
Leasehold improvements and opening costs for a concept that already works.
Smooth out a slow stretch
Revenue-based options repay as a share of card sales, so payments track your volume.
What restaurants lenders do most.
Your advisor knows which lenders are strongest for each one and will bring you the options that fit.
Equipment financing
Buy machines, vehicles and tools. The equipment itself secures the financing.
Best when: You know exactly what you're buying.
Revenue-based financing
Repaid as a share of your sales, so payments move with your volume. It costs more than bank debt.
Best when: Strong card sales and a short, specific need.
Term loan
A lump sum repaid in fixed payments over a set term.
Best when: A one-time project, expansion or acquisition.
Already carrying a cash advance?
Tell us. If more short-term debt would make things worse, your advisor will say so. Some lenders will look at consolidating existing advances into one longer-term payment.
If this sounds like you, you're a fit.
We'd rather tell you up front than waste your time.
- Registered restaurants business in Canada, outside Quebec
- Operating for at least 12 months
- At least $20,000 in average monthly revenue
- Looking for $10,000 or more for a specific purpose
Guides for restaurants owners.
Merchant cash advances: how to figure out what you're really paying
Factor rates make cash advances look cheaper than they are. Here's the simple math to compare them fairly, and when they actually make sense.
Know your optionsThe Canada Small Business Financing Program, explained
A government-backed loan offered through banks and credit unions. Here's what it covers, how much you can get, and when it's worth the extra steps.
Before you apply.
Does checking my options affect my credit?
No. Our questions don't involve a credit check. If you decide to move forward, your advisor or lender will ask for your consent before running one.
Who sees my information?
One funding advisor, chosen for your industry and request. They share it with lenders only to get you offers. We never sell your application to a list or to several companies at once.
What does it cost me?
Nothing from us. Straightline doesn't charge borrowers; advisors pay us for introductions. Some advisors charge a fee or are paid by the lender. Yours will tell you how they're paid before you move forward.
What will my advisor ask for?
Usually your last 3 to 6 months of business bank statements, basic ownership details and what the funds are for. Having statements ready is the fastest way to get offers.
One application. An advisor who knows restaurants.
See what your business qualifies for in about 3 minutes.