--- title: "Wayfind Restaurant Funding Guides" canonical: "https://wayfindhq.com/guides" --- # Wayfind Restaurant Funding Guides Independent, answer-first guides on restaurant working capital. - [Are Merchant Cash Advances Still Legal in Texas? (2026) What HB 700 Actually Changed for Restaurants](https://wayfindhq.com/guides/are-mcas-still-legal-in-texas-2026-restaurants) — No, Texas did not ban merchant cash advances. HB 700 regulates sales-based financing: OCCC registration by Dec 31, 2026, void confession-of-judgment clauses, and restricted ACH debits. Funding stays available. - [Auto Repair Shop Financing Requirements: What You Need to Qualify (2026)](https://wayfindhq.com/guides/auto-repair-shop-loan-requirements) — Most auto repair shops need roughly $15K+ in monthly revenue, 6+ months in business, and 3 to 6 months of bank statements. The full checklist, plus shop-specific underwriting notes. - [Will Applying for a Restaurant Loan Online Get You Spam Calls? (2026) How to Avoid the Blast](https://wayfindhq.com/guides/avoid-spam-calls-restaurant-loan-application) — Apply on a loan marketplace and your single application can fan out to dozens of lenders, triggering up to 20 sales calls a day. Here is why it happens and how a single, consent-based referral avoids it. - [Contractor Financing When the Money Is Earned but Stuck in Net-30 Draws (2026)](https://wayfindhq.com/guides/contractor-financing-net-30-draw-schedule-gap) — Payroll hits Friday whether the GC pays or not. How contractors bridge draw schedules, net-30 and net-60 invoices, and retainage, and which product fits which gap. - [MCAs for Contractors: Stacking Risk, Weekly Payments, and When It Is the Wrong Move (2026)](https://wayfindhq.com/guides/contractor-mca-stacking-weekly-payments) — Contractors stack merchant cash advances more than any other trade. The honest guide: why weekly payments fit project revenue, how stacking kills companies, and when to walk away. - [Emergency Same-Week Restaurant Funding (2026 Guide)](https://wayfindhq.com/guides/emergency-same-week-restaurant-funding) — Need restaurant cash fast? Learn how same-week funding works, what documents speed approval, realistic timelines, and costs. Independent broker guide. - [My GlossGenius or Boulevard Capital Offer Shrank or Disappeared: Salon Options (2026)](https://wayfindhq.com/guides/glossgenius-boulevard-capital-offer-disappeared-salon) — In-app capital offers from GlossGenius, Boulevard, Mindbody, and Square can shrink or vanish after one slow quarter. What a salon can do next, in plain dollars. - [How Fast Can a Restaurant Get Funded in 2026?](https://wayfindhq.com/guides/how-fast-can-a-restaurant-get-funded) — Most restaurants get working-capital funding in 1–3 business days — sometimes same-day. See the timeline and how to speed it up. - [How Much Funding Can a Restaurant Get in 2026?](https://wayfindhq.com/guides/how-much-funding-can-a-restaurant-get) — Restaurants typically qualify for $5k–$500k in working capital, often 1x–1.5x monthly revenue. See what drives your funding amount. - [Inventory Financing for Liquor and Convenience Stores: COD, Distributor Terms, and the Q4 Stock-Up (2026)](https://wayfindhq.com/guides/inventory-financing-liquor-convenience-store) — How liquor and convenience stores finance inventory: covering COD distributor invoices, buying holiday stock at case discounts, and the math that decides if it pays. - [Is a Restaurant Merchant Cash Advance Worth It, or a Trap? (2026)](https://wayfindhq.com/guides/is-a-restaurant-mca-worth-it-or-a-trap) — A merchant cash advance is a tool, not a trap, but only for the right job. See when an MCA makes sense for a restaurant, when to avoid it, and how to check the real cost first. - [Is Wayfind Legit, and How Does a Free-to-the-Borrower Broker Make Money? (2026)](https://wayfindhq.com/guides/is-wayfind-legit-how-does-a-free-broker-make-money) — Wayfind is a referral broker, not a lender. Here is exactly how a broker that is free to the restaurant owner gets paid, why that is standard in commercial finance, and how to keep the incentive honest. - [Lendio vs Nav for Small Business and Restaurant Funding (2026 Comparison)](https://wayfindhq.com/guides/lendio-vs-nav-for-restaurant-funding) — Lendio and Nav both help small businesses find financing, but they start from different places. Compare what each does, how they fit a restaurant, and how to shop either one honestly. - [Can a Liquor or Convenience Store Get Financing With Mostly Cash Revenue? (2026)](https://wayfindhq.com/guides/liquor-store-financing-cash-heavy-business) — Cash-heavy liquor and convenience stores look artificially small to POS lenders. How bank-statement underwriting counts your cash, and how to prepare a clean file. - [Marketplace (Lendio, Fundera) vs a Restaurant-Specialist Broker: Which for Restaurant Funding? (2026)](https://wayfindhq.com/guides/marketplace-vs-restaurant-specialist-broker-for-funding) — A broad small-business marketplace and a restaurant-specialist broker solve different problems. Compare reach, fit, and speed so you can pick the right path for restaurant working capital. - [MCA vs Line of Credit for Restaurants (2026 Guide)](https://wayfindhq.com/guides/mca-vs-line-of-credit-for-restaurants) — Compare merchant cash advances and lines of credit for restaurants: cost, speed, repayment, and which fits your situation. Independent broker view. - [Merchant Cash Advances for Florida Restaurants: Legal Status + Requirements (2026)](https://wayfindhq.com/guides/merchant-cash-advance-florida-restaurants-legal-requirements) — Yes, MCAs are legal in Florida, and a 2024 disclosure law requires providers to show total funding and total cost before you sign. Requirements and factor-rate math inside. - [Merchant Cash Advance Requirements for Restaurants (2026)](https://wayfindhq.com/guides/merchant-cash-advance-requirements-for-restaurants) — Most restaurants need ~$15k+/mo revenue, 6+ months in business, and 3-6 months of bank statements to qualify for an MCA. Full checklist inside. - [Does Paying Off a Restaurant MCA Early Save Money? (2026)](https://wayfindhq.com/guides/pay-off-restaurant-mca-early-save-money) — Paying a restaurant MCA off early usually does not save money: the factor rate bakes the full fee into your total payback. See the math, the buyout trap, and when a real discount exists. - [Open 8 Months, ~$20K/Month: Can My Restaurant Get Funded? (2026)](https://wayfindhq.com/guides/restaurant-8-months-open-20k-month-funding) — 8 months open and doing about $20k/month? You usually clear the bar for revenue-based financing. See the realistic advance band, the owner-transfer gotcha, and what to prepare. - [Restaurant Equipment Financing: A Practical Guide (2026)](https://wayfindhq.com/guides/restaurant-equipment-financing-guide) — Fund ovens, walk-ins, POS, and kitchen lines without draining cash. Compare equipment financing vs working capital, costs, and how to qualify fast. - [Restaurant Funding With Bad Credit in 2026](https://wayfindhq.com/guides/restaurant-funding-with-bad-credit) — Restaurants with bad credit can still get funded. Revenue-based options like MCAs weigh deposits over FICO. See what qualifies you. - [Restaurant MCA Effective APR: Factor Rate to Real Cost (2026, With the Daily-Holdback Math)](https://wayfindhq.com/guides/restaurant-mca-effective-apr-from-factor-rate) — A factor rate is not an APR. See how to turn a restaurant MCA factor rate into a real effective APR using the daily holdback, with one fully worked $50,000 example. - [Revenue-Based Financing vs MCA vs Line of Credit for Restaurants (2026)](https://wayfindhq.com/guides/revenue-based-financing-vs-mca-vs-line-of-credit-for-restaurants) — Compare revenue-based financing, merchant cash advances, and lines of credit for restaurants: structure, pricing, speed, and which fits your margin. Independent broker view. - [How Much Revenue Do You Need for Restaurant Financing? (2026 Guide)](https://wayfindhq.com/guides/revenue-needed-for-restaurant-financing) — Most restaurant working-capital products want ~$15k+/mo revenue and 6+ months in business. See thresholds, what funders check, and how to qualify. - [How Salons and Barbershops Qualify for Financing, Including Booth-Rental Models (2026)](https://wayfindhq.com/guides/salon-financing-requirements-booth-rental) — What salons, barbershops, and spas need to qualify for financing: revenue floors, time in business, documents, and the honest truth about booth-rental income. - [Square or Clover Capital Declined My Auto Repair Shop: What Now? (2026)](https://wayfindhq.com/guides/square-clover-capital-declined-auto-repair-shop) — A processor capital decline reads one card-volume feed, not your whole shop. What independent funders look at instead, what to prepare, and when to wait. - [What Underwriters Look For in a Restaurant's Bank Statements (2026)](https://wayfindhq.com/guides/what-underwriters-look-for-restaurant-bank-statements) — MCA underwriters read four signals in a restaurant's statements: true revenue, negative-balance days, NSF count, and average daily balance. See the typical thresholds inside.