What is Customer Lending?
MarginEdge Customer Lending is a flexible financing solution that helps you manage your restaurant's cash flow by allowing you to pay vendor invoices gradually over time. Instead of paying large vendor bills all at once, you can spread costs across predictable weekly repayments—giving your business breathing room during seasonal fluctuations or growth periods.
How It Works
1. You're Selected If you're pre-approved for our lending program, you'll receive a notification in your MarginEdge app showing your available financing limit. No application needed.
2. Activate Financing Review and accept the lending terms through a simple set of questions. You'll confirm your repayment bank account and map financing transactions to your accounting system.
3. Select Invoices to Finance Choose which vendor bills you'd like to "Pay with financing". You can finance invoices directly from your Bill Pay dashboard.
4. Choose Your Repayment Schedule Pick a weekly repayment plan that works for your business. We'll automatically deduct payments from your bank account each week until the balance is paid off.
5. We Pay Your Vendors Once approved, MarginEdge pays your vendors immediately, so you maintain strong supplier relationships without cash flow strain.
Key Benefits
- No hidden fees – transparent pricing with clear repayment terms
- Flexible scheduling – choose a repayment timeline that fits your cash flow
- Fast approval – get financing decisions quickly
- Integrated experience – manage everything within your existing MarginEdge Bill Pay workflow
- Maintain vendor relationships – your suppliers get paid on time while you manage cash flow
Who Qualifies?
Customers are selected for our program based on your MarginEdge account activity. Additionally, you must be a Bill Pay users with invoices flowing through MarginEdge.
Need Help?
Contact our support team if you have questions about your financing options, repayment schedule, or how to get started with Customer Lending.
Customer Lending helps you smooth out vendor costs, manage seasonality, and keep your operations running steadily—without resorting to expensive credit cards or inflexible business loans.