Restaurant and Food Service Business Loans

Running a restaurant or food service company means juggling inventory, payroll, rent, vendors, and surprise repairs, often before the first table is seated. When cash is tight, you need access to funding that works on your schedule, not the bank’s. Our restaurant and food service business loans are built for real-world operations, from food trucks and cafés to full-service restaurants and catering companies. Whether you want a same day approval restaurant loan or long-term funding for growth, we help you secure the capital to keep doors open and guests coming back.

Why Restaurant and Food Service Businesses Turn to Business Loans

Food service is fast paced and unforgiving. A broken cooler, a slow season, or a delayed invoice from a big event can strain your cash flow overnight. Our restaurant business loans are designed to close that gap.

We provide flexible funding for inventory purchases, kitchen upgrades, staffing needs, marketing campaigns, and new locations. If you need guaranteed funding for restaurant startup costs or want to refinance expensive short-term debt, we work with you to match the right product to your current revenue and goals. You get clear terms, fast decisions, and support from people who understand how restaurants actually operate.

Minimum Requirements for Restaurant and Food Service Business Loans

To qualify for a restaurant or food service loan, your business should meet these basic criteria:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Restaurant and Food Service Business Loans

Working Capital Restaurant Business Loan

This option helps you manage day-to-day expenses such as rent, utilities, vendor invoices, and payroll. It is ideal when you want to get restaurant business loan funding to stabilize cash flow during slower periods or before busy seasons like holidays and summer.

Restaurant Merchant Cash Advance

For restaurants and cafés with strong daily card sales, a merchant cash advance provides quick access to capital based on your future receipts. Payments are taken as a small percentage of sales, so you pay more when you are busy and less when it is quiet. This is a practical choice when you need fast money for repairs, bulk inventory purchases, or short-notice opportunities.

Restaurant Business Line of Credit

A revolving business line of credit lets you tap funds whenever you need them, repay, and reuse the line without a new application. It fits ongoing needs such as covering supplier invoices, responding to equipment issues, or adding extra staff for events. It is perfect for owners who want flexibility rather than a single lump-sum loan.

Restaurant Equipment Loans

From ovens and fryers to POS systems and walk-in coolers, the right equipment keeps service moving. Restaurant equipment loans let you finance new or used items while preserving cash for other expenses. Payments are spread over time, which helps you match the cost to the revenue that new equipment generates.

Startup and Expansion Restaurant Loans

Opening a new location, launching a ghost kitchen, or turning a food truck into a full dining space all require serious capital. Our startup and expansion loans support build-outs, licenses, deposits, and opening inventory. If you need guaranteed funding for restaurant startup plans or want to grow from one site to several, this option focuses on future potential as well as current numbers.

Restaurant and Food Service Loan Services

We know how thin restaurant margins can be and how quickly conditions change. Our loan services are built to give owners practical, realistic funding options rather than one-size-fits-all offers. Whether you run a quick-service concept, fine dining room, bar, bakery, or catering company, we help match the right structure and term to your cash flow.

You can use our restaurant business loans for working capital, equipment replacement, remodels, marketing, or expansion. The application is simple, document requests are clear, and decisions are made quickly so you are not waiting while bills stack up. With competitive rates, flexible repayment schedules, and dedicated support, our goal is to keep your kitchen running, your staff paid, and your guests served without financial stress.

Who We Serve

Frequently Asked Questions

What is the process for getting a restaurant business loan?

You start by completing a short application with basic business details and recent bank statements. Our team reviews your revenue, time in business, and overall profile, then recommends funding options that fit your needs. Once approved, funds are typically deposited within a few business days, sometimes sooner for same day approval restaurant loan requests.

What are the repayment terms for a restaurant loan?

Repayment terms vary by product. Working capital loans and merchant cash advances are usually shorter, with daily or weekly payments based on your sales. Lines of credit and equipment loans often offer longer terms with monthly payments. We walk through the schedule in detail so you know exactly what to expect before you accept any offer.

Can I apply if my credit score is low?

What are the eligibility requirements for restaurant and food service business loans?

In general, you should have at least five months in business, monthly revenue of $10,000 or more, and a minimum of 51% ownership. A US FICO score of 500 or higher is preferred. Specific programs, such as startup funding or equipment loans, may ask for additional documents like leases, quotes, or business plans.