Texas Markets
Restaurant Funding by Texas City
All Texas markets access the same national funder network. Local deposit volumes drive different typical advance ranges.
Houston
Largest TX restaurant market. Energy sector adjacent consumer spending. High consistent deposit volumes.
Typical: $20K–$150K
Dallas / Fort Worth
Fast-growing market, high density. DFW restaurant corridor — strong underwriting outcomes across price points.
Typical: $20K–$125K
San Antonio
Tourism and military consumer base drives consistent revenue even in slow months for most segments.
Typical: $15K–$100K
Austin
Tech-adjacent dining market with high average ticket. Strong approval rates across casual and fine dining.
Typical: $15K–$100K
El Paso / Lubbock / Amarillo
Smaller markets with strong independent restaurant communities. Same funder network, same approval criteria.
Typical: $10K–$60K
Rio Grande Valley
McAllen, Edinburg, Harlingen — high-density Hispanic food service market. Border region cash-heavy deposits require clean bank statement history.
Typical: $10K–$50K
What You Need
Approval Requirements for Texas Restaurants
Minimum Monthly Deposits
$4,000–$6,000/month
Minimum FICO Score
500 (soft pull only)
Time in Business
4+ months operating
Documents Required
6 consecutive months bank statements + application
Advance Range
$15,000–$150,000 (75–150% of avg monthly deposits)
Funding Timeline
Decision 2–4 hrs; funded 24–48 hrs
Tax liens accepted with payment plan. Prior bankruptcies reviewed case-by-case. Bank declines do not affect eligibility. No state-specific licensing required for MCA in Texas.
Process
How Texas Restaurant Funding Works
1
Apply (60 seconds)
Business name, owner name, phone, email, monthly revenue. No SSN or tax ID on the quick form.
2
Upload 6 consecutive months of bank statements
PDF or photo from your phone. Secure upload link sent immediately after application.
3
Receive competing offers (2–4 hours)
T.A.G. submits to 40+ funders simultaneously. Best offer — or multiple offers — come back for comparison.
4
Review terms with Carlos
Factor rate, total payback, daily holdback, and term explained line by line before you sign anything.
5
Sign and receive wire same or next day
Signed contracts returned by noon CT → wire same business day. Afternoon signings → next morning.
Texas Market Context
Why Texas Restaurants Use MCA
Texas restaurants face two recurring funding gaps that MCA addresses better than traditional banking:
- →Summer heat slow season: Texas restaurants in non-tourist markets see 15–30% revenue drops from June–August as residents eat out less. MCA holdback payments automatically shrink during this period, making it the natural tool for seasonal bridge capital.
- →Equipment capital: Texas commercial kitchen code requires regular equipment compliance upgrades. HVAC failure in a Texas summer is an emergency — banks can't fund it in time. MCA funds restaurant equipment needs in 24 hours.
- →Expansion capital: Texas restaurant operators expanding from one location to two face a capital gap that traditional banks won't close for 2–3 years of two-location financials. MCA funds based on the existing operation's deposit history.
- →No state income tax advantage: Texas restaurants keep more net revenue per dollar of gross sales than restaurants in states with income tax, which supports the cash flow profile that underwriters look for.
FAQ
Texas Restaurant Funding — Frequently Asked Questions
Can a Texas restaurant get an MCA after a bank decline?
Yes. Texas restaurants qualify for merchant cash advances based on monthly bank deposit volume — not credit history or bank relationships. A bank decline does not affect MCA eligibility. Minimum requirements: 4+ months in business, $4,000–$6,000/month in deposits, 500 FICO. Texas has over 50,000 active restaurants and many operate successfully on MCA working capital after bank rejections.
How much can a Texas restaurant get with MCA?
Texas restaurant MCA amounts typically range from $15,000 to $150,000 depending on average monthly deposits. A Dallas restaurant averaging $45,000/month in deposits may qualify for $33,750–$67,500. A Houston restaurant averaging $60,000/month may qualify for $45,000–$90,000. A San Antonio restaurant averaging $25,000/month may qualify for $18,750–$37,500.
How fast can a Texas restaurant get funded?
Most Texas restaurant applications receive a decision within 2–4 hours of submitting bank statements. Funding is deposited within 24–48 hours of contract signing. Restaurants in Dallas, Houston, San Antonio, and Austin submitting complete files before noon Central time are eligible for same-day wire funding.
Does Texas have special rules for restaurant MCA?
Yes. Texas HB 700, effective September 1, 2025, requires finance charge and total repayment disclosure for sales-based financing under $1,000,000, with provider/broker registration through the Texas OCCC required by December 31, 2026. Unlike California, New York, Georgia, and Florida, Texas does not require an APR-equivalent figure. T.A.G. provides full disclosure — factor rate, total payback amount, holdback percentage — on every Texas MCA offer.
Can a Texas restaurant use MCA for slow season?
Yes. Texas restaurants often use MCA to bridge June–August when heat reduces foot traffic. MCA repayment via holdback percentage automatically produces smaller payments during slower deposit periods — a slow week at the restaurant means a smaller automatic payment without requiring any contact with the funder.
What does a Texas restaurant need to apply?
Standard requirements: completed one-page application, 6 consecutive months of business bank statements, and a voided check. No tax returns, no financial statements, no collateral documentation. Texas restaurants with seasonal revenue may benefit from submitting 6 months of statements to demonstrate their annual average deposit pattern.
Related Pages
Get Funding for Your Texas Restaurant
500 FICO OK · No hard pull · Bank declines welcome
Dallas, Houston, San Antonio, Austin & all of Texas · Decision in 2–4 hours