Small Business Funding Canada: Our Mission & Manifesto

2M7 provides fast funding for restaurant owners who need cash now.

‍Restaurant Funding and Equipment Financing in Canada

When your kitchen can't wait, neither should your funding.

In the restaurant business, problems don’t give you advance notice. A walk-in goes down. A POS crashes. An inspector gives you a deadline. Payroll is due and the weekend rush is coming. Banks move slow. We don't.

2M7 provides restaurant owners across Canada with $5K to $300K in working capital through a merchant cash advance, with approval within 1 business day and funds in your account within 24 hours.

5,000+ small businesses funded · $650M+ issued · 16+ years in business · 4.9 average Facebook rating

Why Revenue-Based Funding Works for Restaurants

Restaurants don’t run on predictable cash flow. Food costs shift. Labour is tight. Seasons change. Fixed monthly loan payments don’t adjust when sales slow. Revenue-based funding is built around how restaurants actually operate. Approval is based on recent sales activity, and with flex payments, repayment adjusts with your daily card volume. That flexibility matters when timing is everything.

What Restaurant Owners Use 2M7 Funding For

Kitchen equipment purchases, repairs and replacements

from walk-in coolers to ranges and dish machines

new or used restaurant equipment

POS systems and payment technology

Dining room furniture and patio builds

Health and safety repairs required for compliance

Inventory restocks ahead of busy weekends or peak season

Short-term payroll or vendor gaps during slower periods

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What Restaurant Owners Use 2M7 Funding For

With flex payments, your payments adjust with your daily card sales. Strong days pay more, slower days pay less, and there are no fixed due dates during seasonal dips.

Prefer a set amount? Fixed payments are also available, and you can call 2M7 to request a lower payment if revenue drops.

‍2M7 is designed to move with your business.

Fast Decisions & Fast Funding

When equipment fails or inventory is at risk, waiting weeks isn’t an option.

Approvals often happen within 24 hours and are based on recent processing volume rather than perfect credit. Once approved, funds hit your account quickly so you can fix the issue, restock, or get back to service without missing a beat.

Is a Merchant Cash Advance the Right Way to Finance Restaurant Equipment?

It depends on the purchase and the timing. If you're buying a large piece of new equipment you'll use for years, and you can wait several weeks for approval, an equipment loan or lease from a bank or leasing company will usually cost less over time. A 2M7 restaurant cash advance is built for the situations where that route doesn't work. Your walk-in or range has failed and needs replacing this week. You're buying used equipment that some lenders won't finance. Your credit history has kept you from getting approved elsewhere. We show you the total cost upfront, so you can compare it against your other options before you sign. If credit is the main obstacle, our guide to equipment financing with bad credit breaks down what each option costs.

2M7 helps Keep Service Moving

If equipment issues, inventory gaps, or unexpected expenses are putting pressure on your restaurant, 2M7 can help.

What Restaurant Owners Use 2M7 Funding For

meet our team compare with other cash advance options

How can I use a merchant cash advance to cover seasonal slow periods?

Restaurateurs often use funding to manage cash flow during off-seasons or to prep for holiday rushes. Since repayment is tied to your daily sales, it acts as a flexible Small business loan alternative that does not weigh you down with high fixed payments when foot traffic is low.

Can I get funding to upgrade my kitchen equipment or POS system?

Absolutely. Many restaurants use our capital for physical upgrades or to modernize their technology. Because we focus on your business health rather than your asset list, you can secure the equipment you need quickly.

Do I need a perfect credit score to qualify for restaurant funding?

Not necessarily. We prioritize your restaurant's daily sales volume over your personal credit history. You can learn more about how this differs from traditional lending in our guide on The truth about small business loans.

How fast can my restaurant receive the funds?

In the food industry, a broken walk-in freezer is an emergency. We aim for rapid approvals so you can Get Funded and get back to serving your customers without the weeks-long wait typical of big banks.

Is there a fixed monthly payment for this funding?

No. Unlike a traditional line of credit or bank term loan, you can choose flex payments that adjust based on your daily card receipts. If you have a slow Tuesday, your payment is naturally lower. See how this compares in our line of credit alternative guide.

Is a merchant cash advance the same as a restaurant equipment loan?

No. A merchant cash advance is an advance against your future sales, not a loan. There's no interest and no collateral. You agree to one total cost upfront and repay it from your sales through fixed or flex payments.

Can I use 2M7 funding to buy used restaurant equipment?

Yes. Funding isn't tied to a specific asset, so you can use it for new or used equipment, installation, or repairs.

How much restaurant funding can I get?

2M7 provides $5K to $300K. The amount depends on your restaurant's recent monthly revenue and card sales.

Do you fund restaurants outside Ontario?

Yes. 2M7 funds eligible businesses anywhere in Canada, including restaurants in Alberta, British Columbia, Manitoba and Saskatchewan.

‍Restaurant Funding and Equipment Financing in Canada

Fast Decisions & Fast Funding

Is a Merchant Cash Advance the Right Way to Finance Restaurant Equipment?

2M7 helps Keep Service Moving

No hidden fees

How to qualify for funding

IN CANADA

3 MONTHS

$15,000/MONTH