Restaurant financing
Restaurant Business Loans
Restaurants carry heavy up-front costs (kitchen equipment, build-outs, opening inventory) and run on thin, seasonal margins. The right financing matches the asset: equipment loans for the line, a term loan or SBA loan for a new location, and a line of credit for slow months.
Start your applicationFinancing that fits
Equipment Financing
The equipment secures the loan, so it can be easier to qualify for than unsecured credit.
SBA Loan
Longer terms suit build-outs and acquisitions; SBA 7(a) loans are widely used for restaurant purchases.
Business Line of Credit
Draw in slow months and repay when sales pick up, paying interest only on what you use.
Revenue-Based Financing
Repaid as a share of daily card sales, so payments shrink in slow weeks.
What owners finance
- Kitchen and refrigeration equipment
- Build-outs and remodels
- Opening a second location
- Covering seasonal dips in sales
- Buying an existing restaurant
What lenders look at
- Consistent monthly card and bank deposits
- Time in business at the current location
- Lease terms and how long is left on them
- Owner experience running restaurants
Documents to have ready
- Business bank statements (often the last 3–6 months)
- Recent business tax returns
- Profit and loss statement
- Lease agreement and, for equipment, a vendor quote
Common questions
- Can a new restaurant get financing?
- It's harder before you have a sales history, but equipment financing and SBA loans can work for experienced owners with a solid plan and some money of their own in the project.
- Do lenders count tips and card sales?
- Lenders mostly look at deposits into the business bank account. Card processing statements help show steady sales.
- Is my equipment enough collateral?
- For an equipment loan, usually yes: the equipment secures it. Larger loans may also need a personal guarantee or other collateral.
Financing for your restaurant business
One application. Matched lenders. Offers you can compare side by side.