Growth capital for restaurants and bars
Get up to $1.5 million+ in cash for your restaurant or bar.
Funding comes in two rounds: an initial round when you go live, and you can qualify for more within 90 days.
No interest, ever
No personal collateral
No credit check to apply
Not a loan, not debt
No daily, weekly or monthly payments
Talk to a real person. Same-day answers.
$450M+
funded across our partner network
3M+
members across our partner network
Up to 40%
more spent per visit by network members
Qualify in 10 seconds
Estimate your funding.
Slide your yearly sales per location. Most owners qualify for about 3-5% of yearly sales.
Your annual sales (per location)
$3M
Estimated upfront capital
$343K
How it works
Three steps. No debt on your books.
01
Talk to us
Call us and send a recent statement. You'll see what you qualify for in 1–2 business days.
02
Go live and get funded
We set up your payments, then wire the cash when you go live. Use it for anything: a new location, build-outs, equipment, payroll, marketing.
03
Pay it back in food and drinks
Members of our partner network buy credit at your restaurant and spend it with you. That's how the funding is paid back.
Works with the systems you already use
Clover PAYSAFE Genius ALOHA UNION TSYS FISERV RPOWER
Upfront Growth Capital
Cash now. Paid back through your future sales.
We buy credit at your restaurant in bulk, like a large gift card, and wire you cash when you go live. Members of our partner network buy that credit and spend it with you over about three years, bringing in new and repeat guests.
01
We fund you upfront
We buy credit in your business in bulk and wire you cash at go-live.
02
Customers buy that credit over time
Network members buy that credit over about three years, with incentives that bring them in.
03
You pay it back in product, not cash
Repayment happens as members dine with you. No interest and no daily, weekly or monthly payments.
Fast money
Your initial round is typically funded 2–4 weeks after you apply, with more possible within 90 days.
Keep 100% of your business
No equity. No personal-loan-style debt on your books.
New customers on demand
Fill slow nights with guests from a 3M+ member network.
Bigger tickets
Network members spend up to 40% more per visit.
Who qualifies
Built to scale with you.
Funding is based on your yearly sales, stacks for every location, and comes in two rounds.
Initial Funding
Wired at go-live · typically 2–4 weeks
Up to $50,000 per location
Growth Funding
Within 90 days, based on your results
Up to $1.5M+
Enterprise
Groups of 15+ locations · structured case by case
Custom
Restaurants and Bars
Full-service, fine dining, bars, nightclubs, cafés and pizzerias with seating
4★+ on Google
Required
$500K+ per location.
In yearly sales.
Single locations and multi-location groups both welcome. More seats, more funding.
Point of sale and payment processing
Pick your POS. We do the rest.
Switching your card processing to DPS comes with the funding, and we handle all of it. If your current system works with us, we reprogram it, usually in minutes. If not, we swap your card terminals. If that won't work either, we give you a brand-new POS after a demo you approve. We install, train your staff and support you 24/7/365.
Works with these POS systems
Clover
Genius/Heartland
Aldelo Express
NCR Aloha
Lightspeed
Union POS
Rpower
Powr POS
Pecan
Processing through
TSYS
Fiserv
Paysafe
and others
Anything else
Don't see your system?
We'll source, install and support it.
Restaurants, bars and nightclubs
$500K+ in yearly sales per location
Set up for you
Hardware installed and integrated to your menu and floor.
Team trained
Hands-on training for your whole staff before you go live.
Real support
Live help 24/7/365, plus repairs and swap-outs.
Better economics
Competitive, transparent rates. Next-day funding available.
Switching is Simple
Three steps to go live.
01
Send a statement
We benchmark your current rates and show you the difference, no pressure.
02
We fit your system
We reprogram your current system if we can. If not, we install a new POS after a demo.
03
Go live with no downtime
We install outside your business hours, train your staff hands-on and help you return your old equipment.
The real difference: upfront capital.
Up to $1.5M+ for restaurants and bars. No interest and no daily, weekly or monthly payments.
Up to $1.5M+
What owners say
Built with operators, not for them.
★★★★★
"Fine dining is all about the guest experience, and switching processors made me nervous. Desh laid out exactly what would happen and when, and it happened that way. Bill did the install between lunch and dinner service. Not one guest noticed."
Catherine L., Fine dining, Dallas, TX
★★★★★
"Money was in our account in under three weeks, and we used it to open our fourth location sooner than we planned. Their support team has been quick every time we've called."
Maria G., Restaurant group, Houston, TX
★★★★★
"In the nightclub business a down terminal at 1 a.m. is a disaster. When we had an issue on a Saturday night, Diana picked up and had it solved in ten minutes."
Andre M., Nightclub, Miami, FL
FAQ
Questions, answered.
Is this a loan?
No. There's no interest and no daily, weekly or monthly payments. The funding is paid back in food and drinks as members of our partner network dine with you.
Who qualifies?
Restaurants, bars, nightclubs, cafés and pizzerias with seating and a 4★+ rating on Google, doing at least $500K a year in sales per location. Single locations and groups are both welcome.
How much can I get?
It’s based on your yearly sales and number of locations, and it comes in two rounds: an initial round when you go live, and you can qualify for more within 90 days. We’ll give you your exact numbers in 1–2 business days.
How fast can I get funded?
We respond the same day and show you your number in 1–2 business days. You're funded when you go live, typically 2–4 weeks with a second round possible within 90 days.
Will this affect my credit or my equity?
No personal-loan-style debt and no equity is taken. You keep 100% of your business.
Will switching disrupt my business?
No. We install outside your business hours, so there's no downtime. Before you go live, we demo the system, train your staff hands-on and stay with you 24/7/365 after.
Am I locked into a contract?
Only if you take the funding. Funded agreements typically run 3 to 5 years. If you don't move forward, there's no obligation.
Does applying affect my credit?
No. There's no credit check to apply.
What happens to my current equipment?
Once your new system is up and running, we help you return your old equipment.
See your funding number
See your number in 1–2 business days.
One short call — no cost, no obligation. We'll benchmark your processing, show you your POS options, and quote your upfront capital.
Already a DPS customer?
Support, 24/7/365.
Call or email and ask for support. A real person will get you to the right team.
(646) 825-4477
DPS. PAYMENTS AND CAPITAL ADVISORY
DPS Payments is an all-in-one payment processing and growth capital company for restaurants and bars. Payment processing and funding are provided through our sponsor banks and partner network under separate agreements. Amounts, pricing, approval and timing are determined by our partners and are not guaranteed. Clover, Genius, Heartland, Aldelo Express, NCR Aloha, Lightspeed, Union POS, Rpower, Powr POS, Pecan, TSYS, Fiserv and Paysafe are trademarks of their respective owners; their use here is descriptive and does not imply endorsement, sponsorship or partnership.
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