inKind, a restaurant commerce enablement platform helping eateries access customers, capital and technology, has entered a strategic financing partnership with Liberty Mutual Investments (LMI), the investment arm of Liberty Mutual Group.
Under the agreement, LMI has supplied over $320m in financing, acting as both a senior and mezzanine lender. The capital is intended to bolster inKind’s role as a supportive funding option for restaurants and to encourage economic growth across the foodservice sector, which ranks as the second-biggest source of private-sector jobs in the US.
The deal was arranged through LMI’s Alternative Credit platform, a unit specialising in tailored financing structures, and showcases the firm’s capacity to deploy capital at multiple levels of the capital structure.
Proceeds will go towards growing inKind’s restaurant network further and building AI-native tools aimed at helping operators generate demand during quieter periods from the platform’s four million diners across the country.
Established in 2014, inKind has channelled more than $600m in funding to leading restaurants nationwide while linking them with millions of customers via its app. Over 7,700 restaurants use its distinctive model, which supplies capital in return for food and beverage credits sold to diners through the app, offering users as much as 25% back in rewards for dining at participating venues.
Earlier in the year, inKind raised $450m to bring the platform to an additional 10,000 restaurants and improve its in-app dining experience. So far, the company has issued over $175m in dining rewards to more than four million users.
inKind CEO and co-founder Johann Moonesinghe said, “Restaurants are one of the most powerful engines of local job creation in this country.
“When a great restaurant grows, it creates opportunity for chefs, servers, bartenders, managers, suppliers, landlords, and the neighborhoods around them. inKind was built to help those operators access growth capital and bring more guests to the table without relying on expensive debt, dilutive equity, or discount-driven marketing. Liberty Mutual Investments understands that this is not just about financing transactions—it is about backing entrepreneurs, creating jobs, and helping the places where communities gather continue to thrive.”
Liberty Mutual Investments head of Alternative Credit John Kim said, “The inKind team has built an exceptional and differentiated platform that creates value for restaurants and consumers alike, and we are tremendously excited to partner with them as they kick off this next phase of growth.
“This transaction reflects our conviction in businesses that expand economic opportunity through innovative solutions, and our long-term capital and ability to invest across capital structures position us to be a strategic partner as inKind continues to scale its impact.”
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