Financing and the back office, built for restaurants.
We connect you with lenders for build-out capital, working-capital lines, and refinancing the MCAs draining your cash — plus bookkeeping, payroll, and tax. One firm for the money and the mess.
Built for restaurants
Restaurants run on thin margins and lumpy cash flow, and most financing isn't built for that. Fidelis leads with the financing — connecting you with the right lenders through Fidelis Solutions, in partnership with Fidelis Advisory Services, LLC, a broker working for you, not the bank — and wraps the whole back office around it so the books, payroll, and taxes are handled while you run the floor.
Financing for every stage
Capital for tenant improvements, kitchen build-out, and pre-opening costs so you launch fully resourced — matched to the right lender.
Flexible capital for inventory, payroll, and the slow seasons — drawn when you need it.
Finance ovens, refrigeration, POS, and fit-out without tying up your cash.
Stuck in stacked merchant cash advances? We connect you with lenders who refinance high-cost daily debits into healthier financing.
Longer-term, competitive-rate financing for established restaurants and expansion.
Acquisition, refinance, and construction loans for the building your concept lives in.
The whole back office
Your books kept clean and current on Fidelis Ledger — daily sales, COGS, and cash visibility.
Entity setup, sales-tax, payroll-tax, and a clean return — handled, not hovering over you.
Run staff payroll and tip reporting without the spreadsheet gymnastics.
A real advisor on margins, financing decisions, and what to do next — backed by AI at every step.
How it works
Restaurant financing questions
Yes. We work with lenders that fund build-out, tenant improvements, equipment, and pre-opening working capital for new restaurant concepts — even before your first day of sales — and we set up your books, payroll, and tax structure so you open on solid footing.
That’s one of the most common situations we see. We connect you with lenders who refinance and restructure stacked MCAs into a single, lower-cost facility to stop the daily debits that are choking your cash flow, then we build a plan so you don’t end up back in the same place.
No — Fidelis Advisory Services, LLC is a broker that works for you, not the bank. We match you with licensed lending partners and negotiate on your behalf. We do not make credit decisions, hold deposits, or extend credit.
Not necessarily. Requirements vary by product and lender — many restaurant financing options work with newer businesses or imperfect credit. The fastest way to know your options is to complete a short intake; initial matching uses a soft credit inquiry only.
Yes. Restaurants come to Fidelis for the financing help and stay for the back office — bookkeeping on Fidelis Ledger, payroll and tip reporting, sales- and payroll-tax, and a clean annual return, all under one roof.
Tell us what you need
Two minutes. A Fidelis advisor follows up with the financing and back-office options that fit your restaurant.
Restaurant financing is arranged by Fidelis Solutions in partnership with Fidelis Advisory Services, LLC, a financial services broker. Fidelis is not a lender. All loan products are originated, underwritten, and funded by licensed third-party lenders. Fidelis Advisory Services, LLC does not make credit decisions, hold deposits, fund loans, or extend credit. Requesting your options does not result in a credit pull — any credit check happens later and only with your authorization, and a soft inquiry used for matching does not affect your credit score.
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