We back great restaurant operators with capital and customers.
Not a lender. Not an investor. Together with our funding partners, we buy your future food & beverage credit, wire the cash up front, and connect your restaurant to a network of over 5 million customers who spend that credit at your tables.
- 7,000+ restaurants backed
- $600M+ in capital deployed
- 5M+ customers on the network
60 seconds. No credit impact. Qualified operators get backed with capital and customers.
A loan hands you money with interest. Backing hands you Capital and Customers!
Banks and cash-advance shops stop at the wire transfer. When we back your restaurant, capital is half the deal. The other half is a network of over 5 million customers pointed at your tables.
Capital, minus the baggage
Our funding partners back hospitality groups and restaurateurs with the most cost-effective capital in the industry. No interest, no APR, no equity, no debt on your balance sheet.
Customers, built in
We connect great restaurants to a network of over 5 million loyal diners, growing every month and motivated to spend at your tables.
Guests who spend more
Network members check out in-app in seconds, visit more often, and spend more per visit. You save on processing fees every time they do.
Capital up front. Customers on repeat.
The backing is structured as a purchase of your future food & beverage credit. You get paid now. The network spends it back at your tables.
You get backed
Together with our funding partners, we purchase future food & beverage credit from your restaurant. The cash lands in your account up front.
The network buys in
Our funding partners sell that credit to members across a network of over 5 million customers. A built-in bonus motivates members to buy and to spend more.
Your tables fill
Members redeem the credit at your restaurant. Network customers visit more often and spend more per visit than typical walk-ins.
We're selective. That's the point.
Backing only works when the operator is worth backing. Capital plus 5 million customers is a serious commitment, so we make it to serious operators.
We back
- Established restaurants and hospitality businesses with real revenue and great customer reviews
- Casual, fine dining, quick service, cafés, bars, and most venue types
- Operators ready to grow: new locations, renovations, working capital
We pass on
- Concepts that haven't opened their doors yet
- Businesses outside food & beverage
- Anyone shopping for a traditional loan
What backing looks like in the real world.
A Michelin-starred modern Colombian concept
An award-winning fine dining group with locations in Washington, D.C. and Miami wanted to grow without debt on the balance sheet. Backed with interest-free capital through our funding partners' program, the restaurant kept full ownership while the network sent customers to a Michelin-starred experience.
- Full OwnershipNo equity surrendered
- Debt-freeNothing on the balance sheet
- No PaymentsNo daily, weekly or monthly debits
A client of our funding partners' program. Identifying details withheld.
Trusted by the people who run the room.
This has rewritten the playbook on restaurant financing and marketing.
This should be part of any restaurant's financing strategy. There's equity, debt, equipment financing, and now this.
They have the operator's best interests at heart. They understand the challenges of restaurant operations and designed the product to solve them.
Statements from operators describing our funding partners' program. Names withheld; roles shown as publicly stated.
Straight answers, before you apply.
Is this a loan?
No. Backing is the purchase of your future food & beverage credit at a discount. There is no interest, no APR, and no fixed repayment schedule. You deliver against the credit as network customers dine with you.
Do I have to give up equity?
Never. Backing is 100% non-dilutive. You keep full ownership and full control of your business.
What does it actually cost?
The discount on the credit you sell is your cost of capital, and for most operators it lands well below traditional financing. Your advisor models the exact numbers with you, in writing, before you commit to anything.
How does backing bring in new customers?
Our funding partners sell the credit to members across a network of over 5 million customers. Those members visit you to redeem it, and they tend to return more often and spend more per visit than walk-in guests.
Who qualifies to be backed?
Established restaurants and hospitality groups across most venue types: casual, fine dining, quick service, cafés, bars, and more. Great operators with real revenue get backed fastest. The 60-second form below is the quickest way to find out where you stand.
What happens after I submit?
A funding advisor reviews your details and walks you through what your backing could look like. No obligation. We use your information only to evaluate your fit and never sell it.
See if you qualify to be backed.
Tell us about your restaurant. If it's a fit, we'll show you how much capital you could access and how many of the network's 5 million+ customers we can send your way. The form takes about 60 seconds.
- Capital and customers in one program
- A real advisor, not a call center
- No obligation. If it's not a fit, we'll tell you straight
Important disclosures. Build&Fund facilitates a restaurant backing program, operated together with our funding partners, structured as a purchase of future food & beverage credit. It is not a loan, line of credit, cash advance, or security, and involves no interest or APR. Funding is subject to review, eligibility, and definitive agreements; all terms, costs, and any recourse are disclosed in writing before you sign. Statistics, including network customer counts of 5 million+, reflect aggregate figures across our funding partners' program and network and are shown for illustration; specific results vary by operator. Operator spotlights describe clients of our funding partners' program with identifying details withheld. Testimonials are statements operators made about that program. © 2026 Build&Fund LLC. All rights reserved.