Restaurant Business Loans
Get the working capital you need to manage cash flow, purchase inventory, cover payroll, and grow your restaurant with fast, flexible financing.
No Hard Credit Pulls
Check your eligibility without impacting your credit score. Explore multiple funding solutions without a hard inquiry, keeping your credit score intact.
Fast application process
Submit in minutes and get your approval the same day, so you can secure funding without slowing down your business operations.
Dedicated loan advisors
Our team works closely with you from application to funding, ensuring your business secures the right financing quickly and with confidence.
Restaurant Business Loan Overview
Restaurants operate in a fast-paced industry where cash flow is critical. Between purchasing inventory, covering payroll, maintaining equipment, and managing everyday operating expenses, having access to working capital can make all the difference. Seasonal fluctuations and unexpected costs can put additional pressure on your finances, making flexible funding an important tool for continued growth.
Restaurant business loans can help you purchase equipment, renovate your space, hire staff, expand to new locations, or simply maintain healthy cash flow. Fundur connects restaurant owners with fast, flexible financing solutions designed to help their businesses thrive.
Restaurant Business Financing to Grow Your Business
Fundur helps restaurants access fast, flexible financing for inventory, payroll, equipment, renovations, and expansion.
Restaurant Business Term Loan
One-time deposit for immediate needs with the ability to apply for more funds when necessary.
- Loan amounts up to $3,000,000
- Repayment terms up to 60 months
- Financing built for sustainable business growth
- Great for significant business expenses
Restaurant Business Line of Credit
Revolving line of credit you can draw from anytime with immediate access to funds whenever you need.
- Credit lines up to $750,000
- Flexible repayment terms of 12, 18, 24, or 36 months
- Only pay interest on what you use
- Replenishes as you repay
Restaurant Business Loan Options
Business Term Loan
Business term loans provide small businesses with a set amount of funding that is repaid on a fixed payment schedule over a specified timeframe. Loan terms can range from a few months for short-term financing to several years for long-term financing.
Business Line of Credit
A business line of credit is a flexible small business financing option that provides access to a set credit limit. This allows your business to withdraw the working capital it needs and repay only what you use, with interest charged only on the borrowed amount.
Equipment Financing
Equipment financing is a small business funding solution that helps companies purchase or lease equipment. This type of financing covers assets such as machinery, vehicles, or technology, allowing businesses to preserve cash flow while gaining access to essential tools and resources.
Business Credit Card
Business credit cards allows companies to make purchases, cover expenses, and manage cash flow while building business credit. It provides access to a revolving credit line, often with rewards, cash back, or other benefits tailored for business needs.
Restaurant Business Loans: How to Get Funded in 3 Easy Steps
Complete the application.
Fill out our simple application and get matched with offers the same day.
Compare your options.
An expert loan advisor will help match your business with the right loan.
Receive your funds.
Confirm your loan terms and get funds in your account as soon as today.
Minimum Requirements for a Restaurant Business Loan
$10,000 Monthly Gross Revenue
Your business must average at least $10,000 in monthly deposits in a business bank account.
6 Months in Business
Your company should have at least 6 months in business to qualify for most small business financing options.
500+ Credit Score
Business owners with credit scores of 500 or higher qualify for financing, with stronger credit leading to better terms.
Business Bank Account in the US
We’ll need at least 3 months of recent bank statements to verify income. Having them ready will speed up funding.
Meet the requirements?
Restaurant Business Loans & Financing Options
Business Loans for Restaurants
Restaurant financing comes in a variety of forms, depending on your goals, cash flow needs, available capital, and stage of growth. Whether you’re looking for a business line of credit, business term loan, or equipment financing, the right solution can provide the capital you need to efficiently operate, expand, and manage everyday expenses. Restaurant business loans are designed to help owners improve cash flow, invest in growth, and navigate the unique challenges of the food service industry.
Business Line of Credit for Restaurants
A business line of credit gives restaurant owners flexible access to working capital whenever it’s needed. Rather than receiving a one-time lump sum, you’ll have access to a revolving credit line that allows you to borrow only what you need, when you need it. As you repay the balance, those funds become available again for future use. Since you only pay interest on the amount you borrow, a business line of credit offers a flexible and efficient way to manage cash flow, handle unexpected expenses, prepare for seasonal demand, and maintain day-to-day business operations.
Learn more about a business line of credit ›
Business Term Loan for Restaurants
A business term loan provides a one-time lump-sum payment that’s repaid through fixed installments over an agreed-upon term. Unlike a revolving line of credit, you’ll receive the full loan amount upfront, making it an excellent option for larger investments and long-term financing. Restaurant owners often choose business term loans because they offer predictable payments, making it easier to budget, plan ahead, and manage cash flow. With consistent repayment terms, a business term loan can help your business invest in future growth while maintaining financial stability.
Learn more about business term loans ›
Equipment Financing for Restaurants
Restaurant equipment financing helps businesses purchase or lease the equipment they need without paying the full cost upfront. Rather than making a large one-time investment, financing allows you to spread the cost over manageable payments while preserving working capital. Financing is typically secured by the equipment itself, making it an accessible option for many restaurant owners. Whether replacing aging equipment or upgrading to newer technology, equipment financing helps restaurants operate efficiently while protecting cash flow and supporting long-term growth.
Learn more about equipment financing ›
Restaurant Business Loans - FAQs & Answers
How do I qualify for a restaurant business loan?
To qualify for a restaurant business loan, most lenders require at least 6 months in business, consistent monthly revenue, and a reasonable personal credit history. Lenders may also review your recent business bank statements, average monthly deposits, and overall financial health to determine your ability to repay the financing. Having your financial documents organized and readily available can help streamline the approval process and improve your chances of qualifying for competitive restaurant financing.
What credit score do I need for a restaurant business loan?
Many lenders accept personal credit scores as low as 500, while a score of 650 or higher may help you qualify for lower rates and better financing terms. Strong revenue, consistent cash flow, and healthy business finances can also improve your approval odds. Even if your credit isn’t perfect, there are still restaurant financing options available for many business owners.
How much can I borrow for my restaurant?
Loan amounts typically range from $10,000 to $5 million, depending on your restaurant’s monthly revenue, cash flow, time in business, and overall financial health. Businesses with consistent revenue, strong bank deposits, and healthy financials are generally more likely to qualify for larger funding amounts. The right financing solution will depend on your business goals, qualifications, and the lender’s underwriting requirements.
What documents are required for a restaurant business loan?
Most restaurant business loans require a few months of recent business bank statements to verify revenue and cash flow. You’ll also need a valid government-issued ID and a voided business check at the time of closing. Depending on the loan amount and financing program, lenders may request additional documents such as business tax returns, profit and loss statements, or balance sheets to complete the approval process.
Can I get a restaurant business loan with bad credit?
Yes. Many restaurant owners can still qualify for financing with less-than-perfect credit, especially if their business has strong monthly revenue and consistent cash flow. While lower credit scores may result in higher rates or smaller funding amounts, there are still financing options available. Building a positive payment history over time can improve your credit profile and help you qualify for larger funding amounts and better financing terms in the future.
How long does it take to get approved for a restaurant business loan?
Many restaurant business loans can be approved in as little as a few hours, with funding available as soon as the same day. The timeline depends on the lender, the financing program, and how quickly you provide the required documents. Most lenders review your business bank statements, verify your business information, and evaluate your overall financial profile before making a final decision. Providing complete and accurate information upfront can help speed up the approval process.
What's the difference between a restaurant business term loan and a restaurant business line of credit?
A restaurant business term loan provides a one-time lump sum that’s repaid through fixed monthly payments, while a restaurant business line of credit gives you flexible access to funds whenever you need them. With a line of credit, you only pay interest on the amount you borrow, making it ideal for ongoing working capital needs. A term loan is often better suited for larger, one-time investments. Both financing options offer unique advantages, and the right choice depends on your restaurant’s goals, cash flow, and financing needs.
Do I need collateral for a restaurant business loan?
Most restaurant business loans do not require specific collateral, especially for working capital financing and business lines of credit. However, certain financing products, such as equipment financing, use the equipment being purchased as collateral. The collateral requirements vary by lender and financing program, but many restaurant owners can qualify without pledging personal assets or real estate.
Are interest payments on a restaurant business loan tax deductible?
In many cases, interest paid on a restaurant business loan may be tax deductible if the funds are used for legitimate business purposes. Tax laws vary based on your business structure and individual circumstances, so it’s always best to consult a qualified tax professional or accountant. Keeping detailed records of your loan payments and financing documents can help make tax preparation easier and ensure you have the documentation you need.
Can I use a restaurant business loan to refinance existing business debt?
Yes. A restaurant business loan may be used to refinance or consolidate existing business debt, depending on the financing program and lender requirements. Refinancing can simplify monthly payments, improve cash flow, and provide more manageable repayment terms. For many restaurant owners, refinancing existing debt can create greater financial flexibility and free up working capital to support future business growth.
How do lenders decide how much to lend to a restaurant?
Lenders determine how much to lend by reviewing your restaurant’s monthly revenue, cash flow, time in business, and overall financial health. They also evaluate recent business bank statements, average monthly deposits, and your personal credit profile to assess your ability to repay the financing. Additional factors, such as existing business debt and the type of financing you apply for, may also influence your approved funding amount.
What is the easiest restaurant business loan to get approved for?
Working capital loans and business lines of credit are often among the easiest restaurant financing options to qualify for, as they typically have streamlined application processes and faster approval times than traditional bank loans. Approval depends on factors such as your monthly revenue, time in business, personal credit history, and overall financial health. Many restaurant owners can receive a financing decision within hours when they meet the lender’s minimum requirements.
Built on Trust, Focused on Your Success
We’ve helped thousands of business owners secure funding quickly through a simple, stress-free process.
“The process was smooth, my advisor was knowledgeable, and the funding came through much faster than I expected.”
Jason T.
Atlanta, GA
“Application was simple and funding arrived quickly. The rates were good for the speed and convenience provided.”
Jennifer M.
Tampa, FL
“We were approved the same day, funded shortly after, and the process stayed transparent from start to finish.”
David R.
San Jose, CA
“From application to funding, everything moved quickly and smoothly, with flexible repayment that fit our needs.”
Robert W.
Dallas, TX