Working Capital for Restaurants and Food Service Businesses — Daily Drafts vs Weekly ACH
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The Restaurant Industry’s Biggest Challenge: Daily Drafts
Restaurant owners know the strain of daily drafts. Between food costs, payroll, and fluctuating weekend revenue, those fixed withdrawals can quickly starve cash flow. That’s why VIP Capital Funding helps restaurants transition from daily to weekly ACH programs — creating flexibility without interrupting operations.
How Weekly ACH Working Capital Works
- VIP reviews your existing cash-advance balance and revenue cycle.
- We replace daily drafts with one predictable weekly ACH withdrawal.
- You regain 5–6 free days of liquidity each week to manage expenses and reorder supplies.
- After 90 days of positive performance, you qualify for better renewal terms and discounts.
Benefits for Restaurants
- 25–40 % more usable cash flow week-to-week.
- Funding in 24 hours — perfect for inventory restocks or payroll crunches.
- No hard credit pull — approvals based on revenue.
- Early-payoff discounts 10–35 % after half the balance is repaid.
- Interest forgiveness when refinancing through VIP Capital Funding.
Example: Converting Daily Drafts to Weekly ACH
| Program | Payment Frequency | Cash Flow Impact |
|---|---|---|
| Daily Draft | Mon–Fri withdrawals | Low liquidity, limited restock ability |
| Weekly ACH | One Friday withdrawal | Improved control, predictable budgeting |
Who Qualifies
- 6+ months in business
- Monthly revenue ≥ $15 K
- U.S.-based restaurants, cafés, bars, or catering companies
- Active business checking account with regular deposits
Why Restaurants Choose VIP Capital Funding
- Same-day funding options from $25 K – $500 K
- ACH-based repayment tailored to daily deposit trends
- UCC-friendly structures for businesses with prior MCAs
- Personalized support and fast renewals
Explore More Options
- Learn about Working Capital Programs — for every small-business industry.
- See Industries We Serve — from restaurants to construction and retail.
- Explore MCA Debt Consolidation — for owners with multiple cash advances.
Ready to Regain Control of Your Restaurant’s Cash Flow?
Apply Now for same-day restaurant working capital, or return home to learn more.
FAQs
Will weekly ACH affect my funding amount?
No — approvals are based on revenue, not payment frequency.
Can I switch from daily drafts if I have multiple MCAs?
Yes, VIP can consolidate or refinance existing advances into one weekly structure.
What if I need emergency funds for repairs?
Working-capital renewals are available within 48 hours for existing clients.
