Many small restaurants face hurdles when trying to get funding. Traditional loans often require credit checks, personal guarantees, and complex paperwork. A new partnership between Uber Eats and fintech firm Pipe aims to change that.
Under this initiative, restaurants using Uber Eats will see pre-approved loan offers directly inside the Uber Eats Manager app. These offers are tailored to each restaurant’s recent revenue and cash flow. Pipe uses data from six months of anonymous credit card transactions from Uber to assess eligibility. That allows many restaurants to get offers without undergoing credit checks or providing personal guarantees.
One striking feature is speed: for many eligible restaurants, applications are approved almost automatically, and funds arrive quickly—often within 24 hours. This kind of fast, flexible financing helps restaurants manage day-to-day operations, plan for growth, or respond to unexpected expenses.
There is also flexibility in repayment. Rather than fixed monthly payments, repayments adjust with revenue. This eases pressure during slower periods.
Economically, this could improve small business stability. Easier capital access tends to support growth, reduce financial fragility, and allow more restaurants to scale. For Uber Eats, this enhancement strengthens its business ecosystem by helping its partners thrive. Overall, the Uber-Pipe program may become a useful model for embedded finance in the delivery and service sectors.