Restaurant Small
Business Loans

Faster, easier small business financing with one simple application—no bank needed.

Applying is free and won’t impact your credit.

Reviews from restaurant owners.

Flippin Flavors

MAY 2, 2022

Lendio is always there when I need…

Lendio is always there when I need funding and Jeff makes the entire process stress-free. Thank you so much for helping my restaurant so we can continue to grow.

Stephanie Jeanbaptiste

MAY 9, 2022

Excellent customer service

Excellent customer service, fast and reliable. Mitch cloward helped my small restaurant get the capital it needed. I truly appreciate it all.

Moni Tiatia

March 15, 2022

It’s the best lender company

Lendio was great, I had no clue it could be this easy to get funding. It was nice to see the different options and find one that worked out perfectly for our little restaurant. Bennett was amazing and didn’t force us into anything and found the PERFECT solution for us.

Lendio knows restaurant small businesses.

Whether you’re looking to upgrade your kitchen equipment or invest in new tech to cover staffing shortages and wage increases, we’ve got you covered.

The restaurant industry is fast-paced, and you may start to feel the heat when you need capital to open, renovate, or expand your business. Luckily, it doesn’t have to be hard to get restaurant loans for startups or established spots when you choose Lendio for your next financing opportunity.

Unlock the possibilities with a restaurant business loan.


A restaurant business loan could be the key to revamping your restaurant’s interior to attract new customers and keep regulars coming back for more.

Equipment upgrades

Stay ahead of your competition by using your loan to purchase the latest cooking equipment, improving efficiency, and delivering a superior dining experience.

Inventory expansion

A loan can allow you to introduce new menu items by investing in a wider range of ingredients and beverages.

Marketing and advertising

Use your loan to fund a vibrant marketing campaign, driving awareness and attracting more patrons to your restaurant.

Working capital

A restaurant business loan can also serve as a safety net for your daily operational costs. This includes utilities, salaries, lease payments, and other recurring expenses.

Opening a new location

Ready for expansion? A business loan can provide the capital necessary to open a new restaurant location.

Why Lendio?

Quick & easy

Apply in just 15 minutes and get funded in as little as 24 hours

Your partner in business financing

Get personalized support throughout the funding process. Your funding manager will be with you every step of the way to answer your questions and advocate for you.

Offers tailored to your business

Compare loan offers from multiple lenders. With over 75+ lenders in our network, your funding manager will work with you to ensure you get the best rates and terms for your business.

How our loan matching process works.


Fill out our simple application.

Answer just a few questions about your business to see which lending products you qualify for. We’ve partnered with over 75 lenders, allowing us to find the best option for your business.


We’ll connect you with a funding specialist.

One of our funding specialists will reach out to you to get to know your business better. Since every business is unique, we want to make sure we find the loan type that’s perfect for your needs.


Compare loan offers.

Compare different offers curated for your business. Select the capital amount and rate that will help take your business to the next level.


Get funded.

We work with lenders that can fund you fast. Once you’re approved, you’ll be able to access your capital in as little as 24 hours.

Types of business loans for restaurants.

Revenue-based financing

Also known as a business cash advance, this type of financing uses your establishment’s expected revenue as collateral for restaurant funding.


1-15 months

$1 million

Debt financing

Get a lump sum to grow your business with a set interest rate and monthly payment. Common loan products include a business term loan or an SBA loan. An SBA loan is backed by the Small Business Association and offers some of the best interest rates. For those opening a franchise, our marketplace offers specific SBA franchise loans you can apply for.


6 months-25 years

$5 million

Line of credit

Give your restaurant a financial safety net with a business line of credit. Like a credit card, you can borrow funds as you need them. So whether a commercial stove breaks or the space next door becomes available for an expansion, you’ve got the capital to get things done.


6-24 months

Up to $250,000

Equipment financing

It takes a lot of equipment to get a restaurant up and running. With this financing option, the equipment you purchase serves as collateral. Plus, you can typically roll soft costs (Ex: taxes, delivery, and installation fees) into the loan.


1-5 years

$5 million

Lendio is no stranger to funding for restaurant operations and the type of capital required to grow a profit-driven enterprise. From food trucks to fine dining, our network of preferred lenders makes it easy to submit a single application and receive multiple financing options to compare.

How to evaluate a restaurant loan.

Before you jump into the world of financing, it’s important to understand how to evaluate restaurant financing options so that you can make the best decision for your business. Here’s a step-by-step guide to help you through the process.

Step 1: Identify your business needs

Before you start searching for loans, take a good look at your restaurant’s financial situation and determine how much funding you need. Consider what the loan will be used for and the expected return on investment. This will help you identify the type of loan and the amount that will best suit your business needs.

Step 2: Research lenders

There are various lenders that offer restaurant business loans, including banks, credit unions, online lenders, and alternative financing companies.

Navigating the world of restaurant business loans can be a daunting task, but Lendio is here to simplify the process. As a trusted online marketplace for small business loans, Lendio presents a one-stop solution that matches your unique needs with the most suitable lenders. By filling out a single application, you gain access to a network of more than 75 lenders.

Step 3: Evaluate loan terms

Once you have narrowed down your list of potential lenders, it’s important to carefully evaluate the loan terms. Consider factors such as interest rates, repayment schedules, and any additional fees or requirements. Make sure you fully understand the terms before signing on the dotted line.


While there are no loan products exclusive to restaurants, there are multiple types of business financing available that can provide working capital to cover business expenses or facilitate growth for a business in the restaurant industry.


Each lender and financing type has its own requirements. While some lenders may allow for a lower credit score based on higher monthly revenue and a few may have lower monthly revenue or time in business requirements, typical minimum requirements for financing start at:

  • A credit score minimum of 600 
  • Monthly revenue of $8,000 or more
  • In business for at least six months

Choosing a lending platform like Lendio gives you access to multiple types of financing for your restaurant so that you can choose from several types of offers that your business qualifies for.


A loan obtained by a restaurant can be used for both short-term operating expenses, as well as long-term growth opportunities. For instance, you may use the funds to cover payroll during slow periods or capital expenses like equipment, furniture, or a bathroom renovation. 

Alternatively, a restaurant loan can also be used to expand your business to a new location, create a product line, or invest in new staff positions.

An online lending marketplace like Lendio simplifies the application process, which takes just 15 minutes. Once approved, you can get funded in as little as 24 hours

You don’t have to navigate your financing application completely on your own. Instead, Lendio provides personalized support throughout the process. Your funding manager will be with you every step of the way to answer your questions and advocate for you so you know exactly where your application stands. 

Compare loan offers from multiple lenders. With over 75+ lenders in our network, your funding manager will work with you to ensure you get the best rates and terms for your business. That way you can compare all of your offers and choose the one with the best structure specifically for your company.

SBA loans for restaurants are backed by the government and can be a good source of funding if you don’t qualify for a traditional bank loan. The application process is generally longer and more intensive than an online business loan, but you may qualify for competitive rates. There are also options to finance commercial real estate if you want to own your restaurant buildings.

The three most popular types of SBA loans include:

  • SBA 7(a) loans: Used for working capital, refinancing existing debt, or the purchase of business assets.
  • SBA 504 loans: Used for fixed assets, including land, buildings, or equipment. 
  • SBA microloans: Ideal restaurant loans for startups and can be used for working capital, inventory, or equipment.

8 out of 10 Lendio employees* or their families own a small business.

*based on 136 Lendio employees who responded to an internal poll

Quickly compare financing options from multiple funders.

Applying is free and won’t impact your credit

Talk to a rep at (855) 853-6346
Mon-Fri 7:30am-5pm MST