I like the thought of this idea, but it won’t work. If the business spends the money from the cards now then it will be on the hook for the meals later. It is basically just an interest-free loan to the business that will have to be paid back. The party that is really being bailed out here is the landlord.

A better approach would be to let the restaurant go under and have some way to pledge that you will support the new restaurant that opens when things return to normal.