Restaurant Business Loans & Financing
Fast capital for restaurants, cafes, food trucks & catering businesses
- Apply free — no impact to your credit score
- Funding as fast as same business day
- 75+ lenders competing for your business
75+
Lenders
$500M+
Facilitated
5.0
Rating
Get your offers
How much do you need?
No hard credit pull · Takes 5 minutes · No obligation
Simple Process
Four steps to restaurant funding
We've simplified the process so you can focus on running your business, not chasing lenders.
Apply in 5 minutes
Answer a few simple questions about your business. No paperwork, no branch visit.
We shop 75+ lenders
Your application goes to our entire lender network simultaneously. One application, many offers.
Compare your offers
See real offers side by side. We help you understand every term so you can choose with confidence.
Get funded fast
Accept an offer and funding can hit your account in as little as 24 hours.
Free · No credit impact · 5 minutes
Industry Expertise
We know the restaurant business.
Running a restaurant means managing tight margins, unpredictable cash flow, and constant capital needs — from equipment repairs to seasonal working capital. Approvd connects restaurant owners with 75+ lenders who understand the food service industry and offer financing solutions tailored to your needs.
Use your funds to:
- Seasonal Cash Flow Gaps — Revenue-based financing adjusts repayments to match your slower seasons, preventing cash crunches.
- Equipment Repairs & Upgrades — When your commercial kitchen equipment breaks down, fast-funding term loans get you back in service.
- Staffing & Payroll — A line of credit provides a safety net for payroll during slow periods without long-term debt commitment.
- Location Expansion — SBA loans and term loans offer longer repayment terms ideal for opening a second location.
"I applied on a Tuesday morning and had $85K in my account by Wednesday. It saved our summer remodel."
Carlos M.
Restaurant Business Owner
Available Products
Financing options for restaurant businesses
The most popular financing types that restaurant businesses qualify for through Approvd.
Revenue-Based Financing
Repayments flex with your daily sales — ideal for restaurants with seasonal or variable revenue
Business Term Loan
Fixed payments for predictable expenses like renovations, equipment upgrades, or location expansion
Business Line of Credit
Draw funds as needed for inventory, staffing, or unexpected repairs — only pay interest on what you use
SBA Financing
Best rates available for established restaurants with strong financials looking to expand or buy equipment
Qualifications
Do you qualify?
Most restaurantbusinesses that apply through Approvd meet these basic requirements. If you're not sure, apply anyway — our advisors will find the best option available to you.
Ready to find out?
Apply in 5 minutes and get real offers from lenders who specialize in restaurant financing. No obligation. No hard credit pull.
Common Questions
Questions from restaurant business owners
Can I get a restaurant loan with bad credit?
Yes. Revenue-based financing and certain business term loans are available to restaurant owners with credit scores as low as 500. Lenders focus more on your monthly revenue consistency than your credit score.
How fast can a restaurant get funded?
Many restaurant owners receive funding within 24–48 hours of approval. Same-day funding is available for advances up to $100K for eligible applicants.
Can a new restaurant get a business loan?
Most lenders require at least 6 months of operating history and consistent revenue. Brand-new restaurants may need to look at SBA microloans, equipment financing with the equipment as collateral, or business credit cards to get started.
What can restaurant loan funds be used for?
Restaurant financing can be used for virtually any business purpose: equipment purchases or repairs, renovations, inventory, staffing, marketing, utility deposits, franchise fees, or working capital.
Does applying affect my credit score?
Submitting an application through Approvd uses a soft credit pull that does not affect your credit score. Only accepting a final offer from a lender may result in a hard inquiry.
Ready for funding?
See what you can qualify for through the Approvd marketplace. Apply free — no impact to your credit score.