Foody Finance is an independent business financing referral service. We are not a bank, lender, direct funder, or investor, and we do not make credit decisions or fund transactions. We publish financing information for US food service businesses, restaurants, bars, caterers, food trucks, and distributors, collect an inquiry with consent, qualify it, and refer it to independent funding partners.
Partners communicate every offer, rate, term, and state disclosure directly. Foody Finance does not quote rates or terms, relay, compare, or rank offers, negotiate for your business, or prepare a partner's application. Funding partners pay us a referral fee on referred accounts that fund or activate. You pay us nothing: no origination, arrangement, advisory, or advance fees.
Program availability varies by state. Merchant cash advance and other revenue-based financing structures are not offered to businesses in Texas, Virginia, or Connecticut.
In California and Missouri, Foody Finance does not broker, arrange, or negotiate financing. In those states we operate on a lead purchase track: we transfer your inquiry to independent funding partners for a fixed fee per inquiry, and those partners, not Foody Finance, contact you, take your application, and arrange any financing.
Foody Finance does not currently offer services to businesses in North Dakota.
Disclosures effective September 11, 2026, version 4.
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