Restaurant Business Loans Nationwide for Restaurants and Food Service, $10K to $5M
🍽️ Financing Built for RestaurantsI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Restaurant business loans fund restaurants of every kind, full-service, bars, cafes, food trucks, bakeries and breweries, buying a restaurant, opening your own, financing the kitchen, or owning your building. Banks look backward at history you may not have; the right lenders look at your restaurant and your numbers, not a tired high-risk label. I match you to the lender that funds food service.
Restaurant Business Loans for Acquisition, Startup, Equipment and Working Capital
Restaurant business loans fund the moment a bank slams the door, buying a restaurant, opening from scratch, financing kitchen equipment, or covering payroll through a slow season. Banks call food service high-risk and walk away; I match you to lenders who actually fund restaurants, bars, cafes, food trucks and everything in between.
Restaurant Acquisition
Buy an established restaurant with a kitchen, staff and customers in place. SBA 7(a) is built for this, often with limited money down.
Startup and De Novo
Open your own restaurant from scratch, build-out, kitchen equipment, signage and working capital to reach a full dining room.
Kitchen Equipment
Finance ovens, hoods, walk-ins, fryers and POS systems, with the equipment as collateral.
Real Estate and Build-Out
Own your building or renovate your space with long-term, fixed-rate SBA 504 and commercial real estate financing.
Working Capital and Payroll
Cover payroll, supplies and the ramp-up months, or bridge seasonal and slow-period cash flow gaps.
Expansion and Partner Buy-In
Add a location, fund a partnership buy-in, or grow a multi-site group with the right structure.
Restaurant Business Loans by Type
I finance restaurants, bars, cafes, food trucks, breweries and food businesses of every kind nationwide. Find yours below for financing built around how your business actually works.
Open or Buy a Restaurant
Specialty Food and Drink Businesses
An Owner Bought a Profitable Restaurant the Bank Wouldn’t Touch
A restaurateur found a profitable, established restaurant to buy from an owner ready to retire, with steady sales and a trained crew. The numbers were strong, but the bank waved them off the moment it heard the word restaurant, calling food service too risky.
They called me. I matched them to an SBA 7(a) restaurant loan that underwrote the restaurant’s own cash flow and the buyer’s experience and credit, not a high-risk stereotype.
That’s what the right restaurant match looks like. Don’t Beg the Bank! Get funded instead.
The Right Loan Program for Each Restaurant Need
Restaurant business loans aren’t one product. The right structure depends on what you’re doing. I match you to the one that fits, tap any to explore it.
SBA 7(a) Loans
The primary vehicle for buying or opening a restaurant, strong terms, often limited money down.
See SBA 7(a)Equipment Financing
Ovens, hoods, walk-ins and POS systems, with the equipment itself as collateral.
See equipment financingSBA 504 and Real Estate
Own your restaurant real estate with long-term, fixed-rate commercial real estate financing.
See SBA 504Startup Funding
Opening with little history? Honest paths for a brand-new restaurant or food business.
See startup fundingWorking Capital
Cover payroll, food cost and slow-season gaps with fast operating capital.
See working capitalLine of Credit
Revolving capital for the ups and downs of running a restaurant, draw only what you need.
See lines of creditQualifying for Restaurant Business Loans
Restaurant lending is its own world. The right lenders know a well-run restaurant with real sales is a strong borrower, so an owner with decent credit and a solid restaurant to buy can get funded, even after a bank said no. I qualify deals honestly so neither of us wastes time.
✅ What helps you qualify
- ✔A plan to own or operate a restaurant or food business.
- ✔Strong personal credit, the foundation for a first-time owner.
- ✔For acquisition: a restaurant with solid, documented sales and cash flow.
- ✔A down payment or contribution, which family can help with.
💡 Straight talk
- →SBA 7(a) is built for restaurant acquisition and often needs limited money down.
- →Acquisition underwrites the restaurant’s cash flow, not just your work history.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the restaurant and your numbers matter more.
Get Your Restaurant Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your restaurant financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Restaurant Business Loans From My Desk
A snapshot of the restaurant business loans I match to lenders across the country. Every food business is different, yours starts with a conversation.
Restaurant Business Loans · SBA Acquisition
An owner bought a profitable restaurant from a retiring operator with limited money down, underwritten on the restaurant’s cash flow.
Cafe · Startup and Build-Out
A first-time owner financed a full coffee-shop build-out, espresso equipment and opening inventory into one package.
Food Truck · Equipment and Expansion
A food truck operator financed a second truck and a commissary kitchen to grow into a small fleet.
How I Match Restaurant Business Loans to the Right Lender
Most banks treat food service as high-risk, and the specialist lenders who get it compete hard for good restaurants. I work with many, so I match your restaurant business loans to the lender that funds your concept and your goal, acquisition, startup, equipment or real estate, and I review the options with you before you commit.
Here’s the reality for a restaurant owner. Buying or opening a restaurant is often the single best financial move in your career, but a traditional bank looks backward at two years of tax returns you may not have as a first-time owner. SBA-backed restaurant business loans work differently: they underwrite the restaurant’s own cash flow and your credit and credexperience, which is why an owner with strong credit can buy an established, profitable restaurant, frequently with limited money down. Family helping with the down payment only strengthens the file. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of business acquisition and expansion.
The right structure depends on your concept and stage. Buying or starting a restaurant usually runs through an SBA 7(a) loan, with broader options across the SBA loan programs. Kitchen equipment, ovens, hoods, walk-ins and POS, is best matched to equipment financing. To own your building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Opening de novo points to startup business funding, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me what kind of food business you’re building and what you’re trying to do. Whether you’re buying your first restaurant, opening a new concept, or growing a small group, I’ll match you to the lender most likely to fund it. Find your food business in the directory above, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What are restaurant business loans?
Can I get a restaurant loan if banks keep turning me down?
How do I finance buying an existing restaurant?
Can I finance kitchen equipment separately?
What kinds of food businesses do you finance?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Restaurants
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Restaurant lending has its own specialist lenders, and matching you to the right one, for acquisition, startup, equipment or real estate, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll call a restaurant too risky to fund. I match you to restaurantthcare business loans built for where you are … buy a restaurant through SBA, equip it without draining cash, own the building, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, restaurant performance, collateral and structure. Restaurant business financing generally ranges from $10,000 to $5 million depending on the need. *Restaurant acquisition and startup are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acquisition loans underwritten on the target restaurant’s cash flow rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.