Growth capital for restaurants and bar
Get $20,000 to $1.5 million+ in cash for your restaurant or bar.
Most owners qualify for about 5% of yearly sales. We wire the cash when you go live, and you pay it back in food and drinks, not cash.
No interest, ever
No personal collateral
No credit check to apply
No daily, weekly or monthly payments
Not a loan, not debt
Talk to a real person. Same-day answers.
$450M+
funded across our partner network
3M+
members across our partner network
Up to 40%
more spent per visit by network members
Qualify in 10 seconds
Estimate your funding.
Slide your yearly sales per location. Most owners qualify for about 5% of yearly sales.
Your annual sales (per location)
$3M
Estimated upfront capital
$343K
How it works
Three steps. No debt on your books.
01
Talk to us
Call us and send a recent statement. You'll see what you qualify for in 1–2 business days.
02
Go live and get funded
We set up your payments, then wire the cash when you go live. Use it for anything: a new location, build-outs, equipment, payroll, marketing.
03
Pay it back in food and drinks
Members of our partner network buy credit at your restaurant and spend it with you. That's how the funding is paid back.
Trusted by 500+ local businesses across the USA
Clover Aldelo Genius NRS Bodega TSYS Elavon Dejavoo
Upfront Growth Capital
Cash now. Paid back through your future sales.
We buy credit at your restaurant in bulk, like a large gift card, and wire you cash when you go live. Members of our partner network buy that credit and spend it with you over about three years, bringing in new and repeat guests.
01
We fund you upfront
We buy credit in your business in bulk and wire you cash at go-live.
02
Customers buy that credit over time
Network members buy that credit over about three years, with incentives that bring them in.
03
You pay it back in product, not cash
Repayment happens as members dine with you. No interest and no daily, weekly or monthly payments.
Fast money
$20K to $1.5M+, typically funded 2–4 weeks after you apply.
Keep 100% of your business
No equity. No personal-loan-style debt on your books.
New customers on demand
Fill slow nights with guests from a 3M+ member network.
Bigger tickets
Network members spend up to 40% more per visit.
Who qualifies
Built to scale with you.
From $20,000 for a single café to $1.5 million+ for multi-location groups. Funding is based on your yearly sales and stacks for every location.
Initial Funding
Wired at go-live · live on the platform in ~2–4 weeks
$10,000–50,000
Growth Funding
Long-term package after 2–6 months on the platform
$50K–5M+
Enterprise
Groups of 15+ units · structured case by case
$10M+
Restaurants and bars
Full-service, fine dining, bars, nightclubs, cafés and pizzerias with seating
4★+ on Google
Required
$500K+ in yearly sales
Per location. $1M+ is ideal.
Single locations and multi-location groups both welcome. More seats, more funding.
Point of sale and payment processing
Pick your POS. We do the rest.
Switching your card processing to DPS comes with the funding, and we handle all of it. If your current system works with us, we reprogram it, usually in minutes. If not, we swap your card terminals. If that won't work either, we give you a brand-new POS after a demo you approve. We install, train your staff and support you 24/7/365.
Works with these POS systems
Clover
ScaGenius/Heartlandnner
Aldelo Express
NCR Aloha
Lightspeed
Union POS
Rpower
Powr POS
Pecan
Processing through
TSYS
Fiserv
Paysafe
and others
Anything else
Don't see your system?
We'll source, install and support it.
Restaurants · Retail · Convenience
$50K+ / month in revenue
Set up for you
Hardware installed and integrated to your menu and floor.
Team trained
Hands-on training for your whole staff before you go live.
Real support
Live help 24/7/365, plus repairs and swap-outs.
Better economics
Competitive, transparent rates. Next-day funding available.
Switching is Simple
Three steps to go live.
01
Send a statement
We benchmark your current rates and show you the difference, no pressure.
02
We fit your system
We reprogram your current system if we can. If not, we swap your terminals or install a new POS after a demo.
03
Go live with no downtime
We install outside your business hours, train your staff hands-on and help you return your old equipment.
The real difference: upfront capital.
$20K to $1.5M+ for restaurants and bars. No interest and no daily, weekly or monthly payments.
$20K–$1.5M+
What owners say
Built with operators, not for them.
★★★★★
"Fine dining is all about the guest experience, and switching processors made me nervous. Desh laid out exactly what would happen and when, and it happened that way. Bill did the install between lunch and dinner service. Not one guest noticed."
Catherine L., Fine dining, Dallas, TX
★★★★★
"Money was in our account in under three weeks, and we used it to open our fourth location sooner than we planned. Their support team has been quick every time we've called."
Maria G., Restaurant group, Houston, TX
★★★★★
"In the nightclub business a down terminal at 1 a.m. is a disaster. When we had an issue on a Saturday night, Diana picked up and had it solved in ten minutes."
Andre M., Nightclub, Miami, FL
FAQ
Questions, answered.
Is this a loan?
No. There's no interest and no daily, weekly or monthly payments. The funding is paid back in food and drinks as members of our partner network dine with you.
Who qualifies?
Restaurants, bars, nightclubs, cafés and pizzerias with seating. You need at least $500K in yearly sales per location ($1M+ is ideal) and a 4★+ rating on Google. Single locations are welcome.
How much can I get?
Most owners qualify for about 5% of yearly sales. Deals range from $20,000 to $1.5 million+, and funding stacks for every location.
How fast can I get funded?
We respond the same day and show you your number in 1–2 business days. You're funded when you go live, typically 2–4 weeks.
Will this affect my credit or my equity?
No personal-loan-style debt and no equity is taken. You keep 100% of your business.
Will switching disrupt my business?
No. We install outside your business hours, so there's no downtime. Before you go live, we demo the system, train your staff hands-on and stay with you 24/7/365 after.
Am I locked into a contract?
No. We install outside your business hours, so there's no downtime. Before you go live, we demo the system, train your staff hands-on and stay with you 24/7/365 after.
Am I locked into a contract?
No. There's no credit check to apply.
What happens to my current equipment?
No. There's no credit check to apply.
Do you pay for referrals?
Yes. We pay $1,000 for every owner you refer who gets funded.
See your funding number
See your number in 1–2 business days.
One short call — no cost, no obligation. We'll benchmark your processing, show you your POS options, and quote your upfront capital.
Already a DPS customer?
Support, 24/7/365.
Call or email and ask for support. A real person will get you to the right team.
(646) 825-4477
DPS. PAYMENTS AND CAPITAL ADVISORY
DPS Payments is a capital advisory and funding facilitation firm. Amounts, pricing, approval, and timing are determined by the provider in its sole discretion and are not guaranteed. DPS also offers payment processing and point-of-sale solutions through affiliated providers under separate agreements. Clover, Genius, Heartland, Global Payments, Aldelo Express, NCR Aloha, Lightspeed, Union POS, Rpower, Powr POS, Pecan, TSYS, Fiserv and Paysafe are trademarks of their respective owners; their use here is descriptive and does not imply endorsement, sponsorship or partnership.
© 2026 DPS Payments. All rights reserved.