SmarterSwipe Capital
Up to $1,000,000 in capital for restaurant owners.
See what you qualify for. Application takes ~2 minutes. No credit impact to apply.
Check Your Eligibility
No credit impact. Takes ~2 minutes.
By submitting, you agree to be contacted by SmarterSwipe regarding capital products. Submitting does not guarantee approval. Terms and conditions apply.
Capital that fits how restaurants actually run.
Restaurant owners pick SmarterSwipe because we understand the business.
Equipment that can't wait
The walk-in goes down on a Friday. The fryer needs replacing before Saturday brunch. Many merchants are funded within days of approval, so a kitchen problem stays a kitchen problem.
Buildouts and second locations
Lease signed, contractors lined up, but cash flow is in next month's covers. Many of our restaurant clients use capital to bridge the gap between buildout and grand opening.
Slow-season payroll cushion
Every restaurant has a slow month. Capital lets you keep your team intact through it instead of losing kitchen veterans you'll need back when business picks up.
From application to funded in three steps.
Check your eligibility
Fill out a short form. No credit impact to apply.
Talk to your advisor
A real SmarterSwipe advisor reaches out to walk through your options and answer questions. No bots, no call centers.
Funds in your account
Many merchants are funded within days of approval. Funding times vary by application.
"No credit impact" refers to the application only. Repayment terms vary based on offer and are disclosed before funding. Funding amounts, approval, and timing are not guaranteed and depend on individual qualification.
Real businesses. Real results.
From food trucks to steakhouses, SmarterSwipe helps restaurants of every size.
Our walk-in died on a Thursday night. SmarterSwipe had the capital in our account quickly and we never missed a service.
Marcus T.
Ember & Oak Kitchen, Austin, TX
I was weeks from opening my second location and my contractor needed a draw I didn't have. SmarterSwipe bridged the gap and we opened on schedule.
Diana R.
Casa Mia Trattoria, Phoenix, AZ
January almost broke us last year. This year we had a capital cushion to keep our whole crew on payroll through the slow season.
James K.
Saltwater Grill, Charleston, SC
Common questions, answered.
No. The application uses a soft credit pull only — there's no impact to your credit score. A hard pull, if any, only happens after you accept an offer.
Many merchants get a decision the same day. Funding times vary by application.
Capital offers range from a few thousand dollars up to $1M, depending on your processing history, time in business, and restaurant performance.
No. SmarterSwipe capital is available whether you process with us or another provider. (Many restaurants do find it simpler to bundle, but it's not required.)
Repayment is typically a fixed percentage of daily sales — so you pay more on busy days and less on slow ones. Your advisor walks through the exact terms before you sign anything.
It's worth a conversation. We work with restaurants who have other financing in place. Your advisor can structure an offer that complements what you already have.
See what your restaurant qualifies for.
Application takes ~2 minutes. No credit impact to apply.