“Can a restaurant back-office accounting platform become the complete financial operating system for multi-unit restaurant operators?”
Founded in 2011 as a cloud-based back-office accounting and operations platform exclusively for the restaurant industry, Restaurant365 steadily expanded from accounting into a full restaurant management OS covering scheduling, inventory, and labor. The 2021 mergers with Compeat and Ctuit dramatically expanded its customer base to 50,000+ locations. Post-merger, R365 has layered in embedded finance products—AP payments via FIS, payroll via APS, and a lending marketplace via Lendio—transforming from a pure SaaS accounting tool into a financial services platform for multi-unit restaurant operators.
Restaurant365 processes payments through FIS. Disclosed money-movement rails: ACH.
Restaurant365's lending and capital products are provided by Lendio.
Restaurant365's payroll is powered by Automatic Payroll Systems (APS).
Restaurant365's embedded insurance is provided by Authentic Insurance.
Restaurant365 integrates with QuickBooks Online.
The Embedded Finance Index 2026 maps 7 layers in Restaurant365's stack: Payments / PSP (FIS); Money movement (ACH); Lending (Lendio, R365 Capital (lending marketplace) and PPP loan access); Payroll (Automatic Payroll Systems (APS)); Insurance (Authentic Insurance); Accounting (QuickBooks Online); Spend / AP (FIS).
Restaurant365 was founded by Tony Smith, John Moody and Morgan Harris and is founded in 2011, headquartered in Irvine, California, USA.
Get a read on where your own stack stands against Restaurant365 and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.