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SIDES Capital
Financing for your restaurant when you need it
Invest exactly when your restaurant is ready to grow. With SIDES Capital, you get customized financing for your restaurant business directly within your SIDES POS system—no loan application required and with repayments that scale with your revenue.
Note: Only available in Germany
Good ideas often fail because of bad timing.
A new location. A second pizza oven. A renovation before the summer season. Often, it’s not the idea that’s missing, but the capital.
Traditional bank loans take weeks, require personal collateral, and involve fixed monthly payments—regardless of how your business is performing.
SIDES Capital is different.
Repayment happens automatically via a percentage of your SIDES Pay sales. More sales mean faster repayment. Fewer sales automatically mean lower repayment rates. This keeps your cash flow healthy—even during quieter times.
Powered by Stripe Capital.
Financing is provided by Stripe Capital and is already used by millions of businesses worldwide.
Why restaurants use SIDES Capital
Available quickly
No waiting for weeks. Accept the offer, get the funds. It’s that simple.
Flexible payments
No rigid monthly installments. Repayment adapts to your business.
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No collateral
Financing is based on your sales history via SIDES Pay—not on personal collateral.
Full transparency
You know the total cost before you receive the funds. No variable interest rates, no hidden fees.
No paperwork
No business plan. No bank statements. No lengthy loan applications.
Integrated into SIDES
Offers, payouts, and repayments are handled directly through your SIDES dashboard.
SIDES Capital vs. traditional bank loan
Application time
Payout
Collateral
Business plan
Repayment
Cost structure
If revenue declines
Bank loan
2-6 weeks
2-8 weeks
Often required
Detailed required
Fixed monthly installment
Interest rate + fees
Rate remains the same
SIDES Capital
2 minutes
1-2 business days
None required
Not necessary
Flexible (% of revenue)
A fixed fee
Repayment decreases automatically
Get a financing offer in 3 steps
01
Review offer
Based on your SIDES Pay revenue data, you will receive a personalized financing offer directly in your dashboard.
02
Select amount
You decide how much credit you want to receive. The total costs and your repayment plan are displayed transparently.
03
Receive funds
The loan will be transferred to your account within 1-2 business days. Repayment is made via a fixed % of your SIDES Pay revenue.
How restaurants use SIDES Capital
Invest when it makes sense. SIDES Capital is designed to bridge financial gaps and help you seize opportunities faster.
New Location
Security deposit, initial inventory, renovations. Launch your second (or third) location without waiting months for the bank.
Kitchen Equipment
New oven, refrigeration system, dishwashing technology. Invest in equipment that boosts your output and quality.
Marketing Push
Webshop launch, social media campaign, flyer distribution. Bring in new customers when it matters most.
Renovation
New furnishings, patio expansion, facade. Make your restaurant a head-turner and increase revenue per guest.
What you need to know about SIDES Capital
FAQ
Your daily repayment automatically decreases in line with your revenue. If you have zero revenue, you pay nothing. The total fee remains the same, but the repayment period is extended.
SIDES Capital is currently available to restaurants that use SIDES Pay and meet Stripe Capital's requirements. Eligibility for a personalized financing offer is determined based on various criteria, such as your revenue and business performance history. If you are eligible, you will find your personal offer directly in your SIDES dashboard.
If your restaurant is eligible for SIDES Capital, a personalized financing offer will appear directly in your SIDES dashboard. Simply select your desired amount and confirm the offer online. Once approved, the funds are typically deposited into your business account within a few business days.
Repayment is handled automatically via a fixed percentage of your daily sales processed through SIDES Pay . When business is booming, your repayments increase accordingly. During quieter periods, they automatically decrease. This ensures your repayments remain flexible and aligned with your revenue—no fixed monthly installments or manual transfers required. You will know the total repayment amount before the funds are even disbursed. There are no hidden fees or additional interest charges.
You pay a one-time, fixed fee that is clearly displayed before you accept the offer. There is no interest, no compound interest, and no hidden costs. The total cost is fixed from the very beginning.
No. SIDES Capital is based on your actual revenue data, not on forecasts or collateral. No business plan, no bank statements, no personal guarantees.
Want to contact us directly?
Get all information about SIDES software and its easy implementation.
Need more info?
See our restaurant software in action and discover the right solution for you during a no-obligation consultation.
