Industries
Flexible Restaurant Business Loans & Financing Options
From small cafes to franchise establishments, we’ve provided businesses nationwide with restaurant loans!
We're a Partner with a Proven Track Record
By the Numbers
With 12 years of combined experience, we’ve helped businesses grow.
Fast funding. Same-day approvals. No credit impact.
Apply online and get funded fast.
What Are Restaurant Loans?
Restaurant loans are specialized business loans created specifically for the restaurant industry. They are structured to address the unique expenses and cash flow challenges faced by food service businesses. Each loan is customized to meet the particular requirements of the individual restaurant. These loans can offer essential funding, especially during slower periods throughout the month or year.
Restaurant Funding Solutions are specialized business financing options designed exclusively for the restaurant and food service industry. Whether you’re managing day-to-day operations or facing seasonal slowdowns, our tailored Merchant Cash Advances, Revenue-Based Financing, and alternative funding solutions provide the working capital your restaurant needs. As experienced Merchant Cash Advance Direct Lenders, we understand the cash flow challenges of the industry and offer quick capital access to keep your business running smoothly. Need fast business cash? Our small business cash advance programs are built to deliver flexible support—right when you need it most.
How Restaurant Loans Work
Restaurants that require working capital, most especially when they are still in the early stages of the business are given restaurant loans. These loans provide them with the resources to pay their employees, purchase products and cooking equipment, and even pay the lease for the building and other bills when business is very slow during parts of the year.
How To Use
a Restaurant Loan
Restaurants seeking working capital, particularly in the early stages of their business, often turn to restaurant loans. These loans give them the funds needed to cover payroll, purchase inventory and kitchen equipment, and pay for rent and other expenses—even during the slowest times of the year.
Expansion
Expand your restaurant business to a new location.
Equipment
Buy new cooking equipment to outfit your restaurant kitchen.
Staffing
Hire new restaurant staff to give your guests the best service.
Why Apply for a Restaurant
Loan?
Purchase Inventory
One reason people seek restaurant loans is to secure enough inventory to launch their business.
Invest in Marketing
Marketing is essential for every business. Secure financing for your restaurant to expand operations.
Implement an Online Ordering System
Launch an online ordering system to enhance customer satisfaction and save time.
Restaurant Financing for Daily Operations & Growth
Power your kitchen and front-of-house with funding for staff, inventory, and expansion.
SVP
Revenue Advance
Fast capital based on daily sales or POS volume
SVP
Term
Loans
Revolving funds for parts, payroll, and small expenses
SVP
Line
of Credit
Revolving funds for parts, payroll, or repairs
SBA
Backed
Loans
Low-rate, long-term lending for established shops
Minimum Eligibility Requirements
Time in Business
Minimum 1 Year
Business Annual Growth Revenue
No minimum
Business Checking Account
Yes
US Citizen/Based Company
Yes
FICO Score
500+
Other Financing
Subject to underwriting
Bankruptcies
None Preferred
Restaurant Loans FAQ
You can use equipment loans, business lines of credit, working capital loans, traditional commercial lending, and inventory financing if you require restaurant financing. Some loans can be used for many purposes, but others can be used for only one specific business need.
The average restaurant owner can receive anywhere from $5000 to $1 million or more in loans to open a restaurant. Because each situation, business plan, and business owner is so unique, a lender will have to be discussed with by the future restaurant owner for more information.
Yes, but at an added price. Those borrowers who fall below 600 credit score are expected to pay a higher interest rate on their loans and for shorter loan terms with the possibility of having to put more cash up front into the loan itself.
