Finance Your Restaurant Business With Someone Else's Credit Card

If you are in the restaurant business, you certainly won't need me to tell you how tough it can be financially.

While you are building up the reputation of your establishment, money is often tight and one bad night can mean an unprofitable week. As for cash flow - well, the cash certainly flows, doesn't it? You just wish that more of it was flowing in than out. And what about those slow periods? What do you do if they last longer than you anticipated? How do you get the funds you need to get your restaurant business over that hump.

OK, I'm painting a negative picture here, but funding can be a problem for even the most successful restaurant, especially if you wish to expand quickly. The question remains: what is the best way to get financing for your restaurant?


A loan may be an obvious way to raise finance for your restaurant business, but look at it from the point of view of the lender.

The 2004 Restaurant Industry Operations Report published by Deloitte & Touche LLP indicates that average pre-tax profit margins range from 4-7%. This means that, from the lender's point of view, even a profitable restaurant is a big risk. The bigger the risk, the bigger the interest payments - that is, if you even get approved for a loan at all. High interest rates, of course, can bring their own problems, particularly for a very low margin business such as the restaurant trade.

Lenders will, admittedly, look more favorably on you if you also own your premises. However, you need to be aware that funding your business using real estate as collateral means that it is the potential resale value of the property that lenders are looking at. The purpose of the property itself may actually reduce its resale value as there would be a smaller pool of potential purchasers. Thus, many lenders set very high minimum loan amounts, which may not be suitable for your particular circumstances.

If you do decide to go the loan route, then speaking to a specialist lender with expertise in the restaurant industry is essential.


Factoring is a form of commercial finance where a business can accelerate its cashflow by selling its accounts receivable at a discount. This means that the business doesn't have to wait for outstanding invoices to be paid in order to receive the cash necessary to finance the business moving forward.

For many service based businesses, accounts receivable factoring is an extremely good way of quickly accessing cash. However, restaurants rarely have much business of this kind.

What they do have, however, is a high volume of credit card transactions. By leveraging these, budding restauranters can - literally - fund their restaurants with other people's credit cards.


Essentially, restaurants can sell their future credit card transactions and receive an advance on that money - usually up to around $120,000. The money can be used for any purpose - from expanding premises to buying new equipment or whatever you want. This isn't a loan, so there is no personal guarantee needed. It's simply an advance against future credit card settlements.

The company purchasing takes a small, fixed percentage of future credit card transactions until the advance is repaid.

The advance cash can often be made available within 14 days, so - for the restaurant business that is in need of a quick injection of funds - this is a good option. Of course, there are restrictions on who can apply. Generally speaking, a restaurant would have to be running for over 1 year, take over $5,000 per month in Visa/Mastercard transactions and have more than 1 year left on their lease to qualify.

For the restaurant that has been in existence more than one year, this represents the best method of further growing your business at minimum professional or personal risk.


There are a number of companies out there offering financing of this kind to restaurants. The main points to watch out for when selecting such a company are as follows :

i) Application Fee - Companies charging an application fee should be avoided. To be honest, there isn't much paperwork involved in this process, so an application fee is unnecessary.

ii) Closing Costs - Again, companies charging 'closing costs' are best avoided. There are enough companies out there competing for your business.

For the young or established restaurant business, credit card factoring is the most effective way of getting the funds you need to expand your business. So, fund your restaurant using someone else's credit card !

About the Author: Jason Schwartz is CEO of Creative Cash Flow Solutions, a company offering credit card factoring services. Restaurants with more than $4,000 per month in credit card transactions can receive funds up to $125,000 in only ten days. Learn more at

Fuck! dunkin donuts

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Selling one dress from Daddy O's, two Rockabilly dresses from Torrid, one Jason Maxwell top and one Nightmare Before Christmas wrist-band on Ebay!

Swing/Rockabilly Daddy O's/Stop Staring Dress VLV!

Rockabilly Torrid Sz 14/16 CHERRIES halter-top dress!

Rockabilly Torrid Sz 12/14 sleeveless dress!

Red Rockabilly top with POLKA DOTS!

NEW Nightmare Before Christmas black wrist band!!

Pictures below cut:

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  • vilia64

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Please give me all the pros and cons you've encountered using a Palantino bass-

We're getting one soon, but so far most of what I've heard has been negative! :(

Do any of you use a Palantino standup bass?

(no subject)

Selling:  Stop Staring dress and Vintage Jacket!

BNWOT Original Stop Staring Rockabilly/Swing Dress!


This is a brand new without tags Rockabilly/Swing (emo, retro, vintage-styled, waitress) dress, made by Stop Staring! and is no longer in stock- there are no more!  This dress retails for $72.00!!


This dress features a 1940’s vintage style/Chinese style. It is a gorgous and rich chocolate brown dress with cream buttons, collar with bow tie, and arm cuffs. Very smart, cute and sexy!  


 Measurements: bust:   42 in.(but I think would fit a 40 or 41 better)   waist: 30in., A-line skirt. Zippers up in the back, mandarin collar, can be worn with our without the cute cream belt.   Made out of a stretchy polyester blend, made by Stop Staring, sized Large, but could just as easily fit an XL


Vintage Swing/Rockabilly 40's/50's Women's Jacket!


Very cute Swing, Rockabilly, emo, waitress, psychobilly, retro, goth, vintage little grey wool blazer type jacket.. Looks great with jeans or a little black pencil skirt!

Almost flawless condition.. the only thing I could find was a TINY pinhole on the front and some loose stitching on a pleat inside on the liner.. not affecting the structure of the jacket in any way.. fully lined in grey satin.. label reads Albert Jensen Vancouver BC

(There are no other marks on the coat- it's just a reflection)

No stains, no smells (not even that weird vintage smell..)  Beautiful little coat.. 3/4 turned up sleeves, beautiful tailoring everywhere.. little darts all over the place.. covered buttons..  I'd keep it, but it's a little snug on me....

Measurements taken flat then doubled

Shoulders: about 14.5 inches across the back

Bust: 40 inches

Waist: 38 inches

Length: 22 inches


See all these auctions and their details on ebay:


All questions are welcome!


Note to mods- if these listings are inappropriate, please let me know and I will alter them immediately!  Thank you for looking!