Restaurant Business Loans

Most restaurants are approved within 3-5 business days. Funds typically arrive within 1-2 business days of approval, so you can upgrade equipment or manage payroll quickly.

Restaurant loans range from $10,000 to $300,000+, depending on your annual revenue, creditworthiness, and the specific use of funds.

Use funds for kitchen equipment, restaurant renovation and expansion, payroll and staffing, food and beverage inventory, new location launch, or any restaurant growth initiative.

Yes. We specialize in restaurant financing and understand tight margins, seasonal demand variations, payroll challenges, and the unique cash flow of food service businesses.

Yes. We work with restaurants at all credit levels. While a higher credit score helps, we look at your business revenue, cash flow, and growth potential. Many growing restaurants with imperfect credit get approved.

Typically business and personal tax returns (2 years), recent bank statements (3-6 months), profit & loss statements, and details about how you'll use the funds.

Yes. We work with independent restaurant owners, partnerships, and larger restaurant groups. Personal guarantees may be required depending on loan amount and business structure.

We structure payment terms that account for seasonal restaurant demand and variations in cash flow. We're flexible on payment timing to match your actual revenue patterns.

No. Most restaurant loans have no prepayment penalties. If your business grows faster than expected, you can pay off early without extra fees.

Banks require extensive documentation, lengthy approval processes (6+ months), and rigid terms that don't account for restaurant seasonality. We approve faster, understand food service cash flow, and offer flexible terms designed for restaurant growth.