We're transforming how F&B gets paid.
Velos Hospitality Tech embeds working capital, payment infrastructure, and consumer rewards directly into restaurants — so operators get paid faster, guests earn more, and suppliers get guaranteed volume. All in one connected network.
One platform. Three ways to win.
Get paid faster. Access capital without the catch.
Restaurant margins are thin, settlement is slow, and the working capital options available today are expensive — merchant cash advances are illegal in Europe, and card processing eats 2–3% of every sale. Velos changes the model.
Velos advances cash to forward-purchase your F&B inventory. You get capital up front, and Velos gets repaid automatically as your guests pay through the Velos app — no invoices to chase, no repayment schedule to manage.
How a single dollar moves through Velos.
Velos forward-purchases F&B inventory on behalf of the restaurant, advancing working capital up front.
Diners pay full price through the Velos app. Velos is repaid automatically from that spend, and 40% is routed to approved ecosystem vendors via Restricted Spend.
After payment funds clear, the restaurant and approved vendor receive their net settlement, while the guest earns up to 15% back in wallet credits.
No invoices. No waiting. No fragmented loyalty math. Just one connected flow of capital.
A massive market, built on compliant infrastructure.
The global F&B industry represents a $5.8 trillion+ total addressable market, with a $4 trillion+ serviceable addressable market once you isolate the segments where embedded payments and working capital create the most value. Velos's near-term serviceable obtainable market is $1.2 trillion+.
Merchant cash advances — the dominant form of restaurant working capital in the US — are illegal in much of Europe. Velos is built to be compliant globally from day one, giving it a structural advantage in markets where legacy working-capital products simply cannot operate.
From build to global scale.
Core platform build: payment rails, Restricted Spend engine, and restaurant/consumer apps.
Velos goes live in the UK — our first commercial market.
Expansion into the EU and US, scaling to 13 markets.
Full-scale rollout across the network, deepening ecosystem partnerships.
Built by operators who've done this before.
Our founding team has direct experience scaling embedded-finance platforms in the hospitality industry — from early-stage builds to hundreds of millions deployed. We know the operators, the suppliers, and the economics. Velos is the next chapter.
Want to get involved?
Whether you're a restaurant group, a supplier, or an investor — we'd love to talk.