Financing products
Discover CFO Suite
Get Started
In food & beverage, supplier costs, equipment, staff expenses and seasonality can quickly put pressure on margins. PaveNow helps restaurants, cafés and catering companies organize invoices, track costs and manage liquidity in CFO Suite, while giving access to financing options when growth or cash flow needs support.
Running a food & beverage business means managing much more than service and menu quality. Supplier invoices, food cost, staff expenses, equipment needs, rent and seasonal demand all affect daily cash flow.
PaveNow helps bring these moving parts into one clearer process, so you can track costs, documents and financial performance without relying on paper receipts, spreadsheets or guesswork.
Restaurants, cafés and catering companies often need capital before the return arrives - for equipment, renovation, stock, a new location, seasonal preparation or business growth. Depending on your situation, PaveNow can help you choose a financing option that supports liquidity without blocking day-to-day operations.
If you want to open another location, modernize your dining space, launch a catering line, invest in marketing or buy professional equipment, a Growth Loan can help you move forward without draining your current operating budget.
.png)
If ZUS or tax office deadlines are approaching and cash flow is temporarily tight, a Bridge Loan can help you settle public liabilities on time and reduce pressure on your food & beverage business.
.png)
If you have a signed catering, event, corporate meals or B2B supply contract with future payments, contract-backed financing can help you access funds earlier. Financing is based on the contract and expected receivables, so you can support liquidity before all payments arrive.
If you need a larger amount for buying a property, renovating a restaurant, expanding production space or making a bigger investment, a secured business loan can support larger plans when real estate collateral is available.
.png)
In food and beverage, costs often appear before revenue is collected. Inventory, ingredients, packaging, staff, rent, equipment and supplier payments can put pressure on liquidity. These materials help you understand cash flow, working capital needs and financing decisions before you choose external capital.
Why a business can have sales, invoices and demand, but still lack cash for inventory, suppliers or daily costs.
Read article →
Why working capital can be as important as innovation when product-based businesses need to keep operations moving.
Read article →
How growth can create pressure when production, ingredients, packaging, staff or distribution costs rise before returns.
Read article →
Seven questions that help check costs, payment timing and cash buffer before accepting a bigger order or client.
Read article →
How to finance delivery when supplier, inventory or production costs appear before customer payment.
Read article →
How to assess whether financing supports growth, improves liquidity and solves a real business need.
Read article →Apply online and check whether PaveNow financing can support inventory, supplier payments, equipment, working capital or liquidity while you wait for customer payments.
CFO Suite helps restaurants, cafés and catering companies manage the financial side of daily operations - from invoices and supplier documents to staff expenses, accounting exports and cash flow analytics. Instead of collecting paper invoices, receipts and delivery documents in different places, your team works in one organized space.
Issue invoices faster for catering, events, corporate meals or B2B services, and track payment statuses in one place, so you can see what has been paid, what is pending and what is overdue.
Collect supplier invoices for food products, drinks, packaging, utilities, equipment and external services in one place, so costs are easier to organize, verify and send to accounting.
Manage small operational expenses, emergency purchases and reimbursements without letting receipts disappear between the kitchen, bar, office and messages.
Manage several restaurants, cafés, catering brands, locations or business lines from one account. Switch between organizations in a few clicks and keep documents, invoices and financial data separated but easy to access.
See revenue, costs and overdue payments in one place, so you can monitor food cost, understand margin pressure and make pricing or purchasing decisions based on clearer financial data.
Export documents and reports for accounting without chasing files across emails, folders, kitchen drawers or reception desks. Keep month-end settlements cleaner and easier to close.
Start with the area that needs the most order - supplier invoices, costs, staff expenses, B2B invoicing or analytics. Explore each module step by step and build a process that fits how your food & beverage business works.
From supplier invoices and food cost to seasonal cash flow, staff expenses and equipment needs, food & beverage finance can quickly become reactive. PaveNow helps replace manual chasing with clearer processes, better visibility and faster decisions.
Supplier costs, rent, staff expenses and equipment needs put pressure on liquidity before revenue fully catches up.
Invoices, receipts and delivery documents move between the kitchen, bar, office, suppliers and accounting.
Food cost and margin pressure are harder to track when prices change and decisions are made on gut feeling.
Month-end closing takes too much time because documents, staff expenses and cost data are scattered.
Financing options can help support growth, seasonality or liquidity when cash flow timing creates pressure.
Supplier invoices, cost documents and payment statuses stay organized in one workspace.
You get better visibility over costs, margins, overdue payments and financial trends.
Clearer financial data helps you react earlier, reduce manual work and make better operational decisions.
