Small Business
Loans for
Restaurants
Last updated: July 2026
Access restaurant financing designed for real-world operations, from seasonal slowdowns to expansion plans. Apply online and get approved in as little as 4 hours.
Financing at a Glance
We Understand the Restaurant Business
Thin margins, high labor costs, seasonal swings, and equipment-intensive operations make restaurants unique. We build financing around how food service businesses actually operate.
Revenue-Based Repayment Available
Our Revenue Advance product repays as a percentage of your daily sales, so on slow days, you pay less. This is especially valuable for restaurants that experience seasonal swings or variable weekly volume.
Fast Decisions for Perishable Needs
Restaurant problems don't wait for bank timelines. Equipment failures, payroll gaps, and supplier deadlines require immediate action. We deliver decisions in as little as 4 hours.
No Collateral Required
Most restaurant financing products are unsecured. Approval is based on your restaurant's revenue performance, not on pledging kitchen equipment, real estate, or personal assets.
No Restrictions on Capital Use
Cover payroll, restock inventory, upgrade your POS system, market a new menu, or renovate your dining room. The capital is yours to deploy however your restaurant needs it most.
Getting Funded Is Simple
Apply Online in Minutes
Submit a brief application and connect with a dedicated Capital Advisor. Share what your restaurant needs, equipment, expansion, working capital, and they'll guide you from there.
Get a Decision
Your advisor reviews your restaurant's revenue profile and presents a clear funding offer with transparent terms. Often in as little as 4 hours, with no excessive paperwork, no unnecessary delays.
Access Your Funds
Receive a lump-sum deposit as fast as 24 hours after accepting your offer. Stock inventory, pay staff, upgrade your kitchen, or invest in your next location, immediately.
How Business Loans Support Your Restaurant
Whether you are opening a new location, upgrading your kitchen, or managing a slow season, restaurant financing keeps you competitive and financially stable.
Growth & Expansion
Open a new location, remodel your dining space, expand seating capacity, or invest in marketing to attract more customers and increase revenue.
Operations & Infrastructure
Purchase kitchen equipment, upgrade appliances, implement online ordering, or invest in POS technology to improve efficiency and customer experience.
Working Capital & Inventory
Cover payroll, stock inventory and supplies, and manage seasonal cash flow gaps so your restaurant can operate smoothly year-round.
Financing Options for Restaurants
Choose from loan solutions designed for fluctuating revenue or predictable long-term investments.
Small Business Loan
Lump-sum working capital with no use restrictions. Cover payroll, inventory, overhead, or any other restaurant operating expense.
Learn MoreRevenue Advance
Upfront capital repaid as a percentage of your daily revenue, ideal for restaurants with variable sales volumes and seasonal swings.
Learn MoreEquipment Financing
Purpose-built for commercial kitchen equipment, refrigeration, POS systems, and other restaurant infrastructure. Own it outright at the end.
Learn MoreLine of Credit
Revolving access to capital, draw what you need, repay, and draw again. Great for managing inventory orders and ongoing cash flow gaps.
Learn MoreTerm Loan
Long-term structured repayment for major investments: opening new locations, large renovations, or significant equipment overhauls.
Learn MoreNot Sure? Ask Us.
Your Capital Advisor will review your restaurant's revenue profile and recommend the financing structure that fits your specific situation.
Let's TalkCommon Questions
Keep Your Restaurant
Running at Full Speed.
Apply today and get a decision in as little as 4 hours. Capital in hand within 24 hours of acceptance.