Foodics is turning the operational data generated by restaurants into a new pathway to capital.

The new financing solution uses restaurant performance data and AI-powered credit scoring to pre-qualify businesses. Moreover, eligible funding is approved and disbursed within four hours.

The MENA restaurant operations and financial technology platform launched Capital 2.0 at Money20/20 Middle East in Riyadh on September 14.  It is an automated financing solution designed to give eligible restaurants faster access to funding.

Why You Should Care

For smaller restaurant operators, securing financing can be slow and difficult, particularly when traditional lending processes do not fully capture how restaurants generate revenue.

Access to financing remains a challenge for many restaurant businesses, particularly smaller operators. By using the performance data already generated through its platform to pre-qualify merchants, Foodics is linking access to capital more directly to how restaurants actually operate and generate revenue. 

The Details

Capital 2.0 takes a different approach by using a restaurant’s operational and financial performance on Foodics to assess its eligibility. An embedded AI layer supports the credit scoring process and identifies businesses that qualify, removing the need for a traditional funding application.

Eligible restaurants can select their financing terms and complete the process digitally through the Foodics App, with approval and disbursement targeted within four hours. 

The model could make access to working capital more closely aligned with the day-to-day performance of restaurant businesses.

Foodics is targeting USD 99.96 million (SAR 375M) in funding during the first year. The solution supports multiple financing needs, including working capital and invoice factoring for suppliers, with funding ranging from approximately USD 5.3 thousand (SAR 20K) for working capital to USD 533 thousand (SAR 2M) or more for expansion. Repayments are made through smaller deductions from daily settlements rather than a larger monthly payment.

The launch also expands Foodics’ role beyond restaurant management software. The company is positioning its platform as a broader financial ecosystem where merchants can manage operations, payments, and access to capital through the same environment.

The Ripple

Capital 2.0 adds another layer to the growing convergence between restaurant technology and financial services in MENA.

For restaurant operators, integrating financing with an existing operations platform could reduce the friction between demonstrating business performance and accessing capital. For Foodics, the move creates an opportunity to deepen its relationship with merchants by connecting operational data with financial products.

The launch is part of a wider set of financial capabilities Foodics is showcasing at Money20/20 Middle East, including expanded omnichannel payments, reconciliation tools and instant settlements. Foodics is also evolving its MyFoodics App into a single account through which merchants can manage sales, cash, payouts and access to capital.

What to Watch

The key test for Capital 2.0 will be how effectively Foodics translates its access to restaurant performance data into sustainable financing at scale.

Foodics has set a SAR 375 million first-year funding target, making deployment and merchant adoption important indicators of whether embedded financing can become a meaningful extension of restaurant technology across the region.

The broader direction is clear: as platforms gain deeper visibility into how businesses operate, financial services are increasingly being built into the software businesses already use.