Non-dilutive working capital from $25,000 to $1,000,000 to smooth payroll, vendor payments, and seasonal cash gaps at your restaurant, retail store, or service business. No equity, no personal guarantee, no daily POS deductions.
Typical working capital facility
Funding offer turnaround
Equity given up
Founderpath funds the operating gap between when you spend cash and when revenue actually lands.
Payroll smoothing
$10K–$150K
Cover 2–6 weeks of payroll during slow seasons or while waiting on receivables
Vendor payment bridge
$15K–$200K
Pay food, beverage, or merchandise suppliers on Net 0 terms while customer revenue clears
Long-cycle project funding
$100K–$1M
Materials and labor for builds, renovations, or events that close months before revenue lands
Seasonal cash gap
$25K–$300K
Fund operations through January retail dip, summer slow season, or pre-event ramp
Tax & rent timing
$10K–$50K
Cover quarterly tax payments or annual rent prepayments without draining cash
New-concept ramp runway
$15K–$100K
Operate a newly opened business while customer base ramps to break-even
You tell us the gap — Founderpath underwrites a facility that matches. Most working capital facilities land between $25,000 and $1,000,000.
Payback is a fixed percent of weekly revenue across your operating accounts — slow weeks bring smaller payments, busy weeks bring larger ones.
A simple multiple (typically 1.1x to 1.3x) is the total cost. No daily POS take rate, no balloon payments, no prepayment penalties.
You keep 100% ownership. Founderpath does not take board seats, warrants, or personal guarantees on working capital facilities.
Four operators who used Founderpath capital to bridge real cash gaps. Watch the deals.
Hostel and bar · Austin, TX
Closed $75K term loan to bridge into SXSW season
Use of funds: Working capital to staff up and stock for the highest-revenue week of the year
$75,000 term loan
Bridge financing into SXSW
Hospitality cash-flow smoothing
Hospitality · Austin, TX
Closed $250K MCA refi at 8% take — replaced 14% Toast Capital take rate
Use of funds: Refinance high-cost Toast Capital balance into lower-cost working capital
$250,000 facility
8% effective take vs 14% prior
Freed up monthly cash flow
Custom home builder
Closed $1.8M to fund long-cycle build cash gap
Use of funds: Pay for materials and labor on spec homes before sale closes
$1,800,000 facility
Largest deal on The Deal
Long-cycle inventory financing
Coffee bar inside a 1998 laundromat · Austin, TX
Closed $20K to operate while customer base ramped
Use of funds: Working capital runway for a new concept before it hit break-even
$20,000 facility
New-concept ramp runway
Pre-break-even operating capital
The four ways operators bridge a cash gap, and how Founderpath stacks up against each.
Factor | Founderpath | Bank / SBA loan | Toast Capital / Square Loans | Equity raise |
|---|---|---|---|---|
Time to fund | 24–48 hours | 60–90 days | 1–7 days | 3–9 months |
Total cost | 1.1x–1.3x cap | 8–14% APR plus closing costs | 12–14% daily take rate (35–45% effective APR) | 10–30% of company |
Repayment | % of weekly revenue | Fixed monthly | Daily POS deduction | Equity ownership forever |
Personal guarantee | None | Required | Sometimes | N/A |
Equity given up | 0% | 0% | 0% | 10–30% |
Eligibility bar | $250K+ revenue, 12+ months operating | 2 years tax returns, strong credit | Active POS account, processing history | Pitch deck, growth story, team |
See what non-dilutive capital could look like for your restaurant, bar, or retail store. No sign-up required.
Your Numbers
Monthly Revenue
$80k
$10k
$3M
Capital Needed
$150k
$25k
$5M
Payback Period
24 mo
6 mo
48 mo
Estimated Terms
Total Repayment
$168,000
1.12x payback multiple
Monthly Payment
$7,000
8.8% of revenue
Total Cost of Capital
$18,000
12% total cost
Equity Equivalent
$750,000
At 5x revenue multiple
*This calculator provides estimates only. Actual terms depend on your business profile, financials, and underwriting review. Founderpath does not guarantee any specific rate or amount.
The most common questions from operators bridging a cash gap.
Working capital financing covers the gap between when you spend cash (payroll, vendors, inventory) and when revenue actually lands. For brick-and-mortar operators, it smooths payroll, bridges seasonal dips, funds long-cycle projects, and replaces high-cost Toast Capital or merchant cash advance balances.
Founderpath sizes working capital facilities between $25,000 and $1,000,000 based on revenue, deposit history, and gross margin. Most restaurant and retail operators land between $50,000 and $500,000.
Funding offers come within 24 to 48 hours of connecting your data (POS, bank, accounting). Full closing typically happens within four weeks. That is fast enough to cover a payroll cycle, a vendor invoice, or a season ramp.
Yes. Vendor payment bridge financing is one of the most common uses. Operators draw $15,000 to $200,000 to pay food, beverage, or merchandise suppliers on Net 0 terms while customer revenue clears, then repay as a percent of weekly revenue.
Cash flow smoothing financing turns lumpy weekly revenue into a smooth operating runway. Founderpath funds the gap during slow weeks; repayment scales up during busy weeks. The cost cap stays the same regardless of how long the smoothing takes.
No. Founderpath does not require personal guarantees on working capital facilities. Repayment is tied to your business revenue, not the founder’s personal assets.
Repayment is a fixed percentage (typically 5% to 12%) of weekly revenue. Total payback is capped at a fixed multiple, usually 1.1x to 1.3x of the principal. There are no fixed monthly payments and no prepayment penalties.
Yes. Many operators consolidate an outstanding Toast Capital, Square Loans, or MCA balance into a single Founderpath facility. Cabana Club replaced a 14% Toast take rate with an 8% Founderpath take and freed up monthly cash flow immediately.
$250,000 in annualized revenue and 12 or more months of operating history. Most funded operators sit between $500,000 and $5,000,000 in revenue.
Yes. Long-cycle operators — custom home builders, event producers, contractors — use working capital to fund materials and labor before a project closes. Atlas Custom Homes drew $1.8M on this exact structure to bridge spec-home builds.
Three differences. First, cost: Founderpath is a 1.1x to 1.3x cap versus a 12% to 14% daily take rate. Second, repayment cadence: weekly percent of revenue vs daily POS deduction. Third, no lock-in: Founderpath does not require you to keep processing on a specific POS to access capital.
Repayment slows with revenue. Because payback is a percent of weekly revenue (not a fixed monthly payment), a slower week is a smaller payment. The cost cap stays the same. Founderpath only gets paid when you are paid.
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