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Best restaurant business loans

Feed the future with the right business loans.

Regain control of your cash flow with a restaurant business loan

Restaurant funding, when you need it

With approval in as few as four hours, your funds can be available as soon as the next day.

Long-term restaurant financing keeps you afloat

Borrow what you need from a business line of credit to keep business afloat during challenging seasons.

Business loans help you grow into tomorrow

At Credibly, our financial advisors see your business as an investment. Grow into tomorrow with the right small business loans.

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Why business owners choose Credibly for restaurant business loans

Why business owners choose Credibly for restaurant business loans

Restaurant business loans to spice up your neighborhood*

Working capital loans

Get the capital you need fast

Cover day-to-day capital needs and give your business room to grow with this flexible restaurant financing option.

  • Get the funding you need in as little as 24 hours.
  • Work with a company that has provided $2B+ in secured business financing, supporting over 30,000 small businesses.
  • A comprehensive review process that assesses more than just your credit score and profit-loss statements.

Pre-qualify for up to $400,000

Pre-qualify in minutes for the exact amount you need.

  • Competitive factor rates
  • Daily and weekly repayment options
  • Little-to-no collateral needed

Merchant cash advances

Looking for extra capital, fast?

Credibly’s merchant cash advances get you the additional restaurant funding you need, with:

  • Convenient all-online application for your MCA.
  • Response within one business day after you complete the application process.
  • Funds are immediately transferred into your account as fast as 24 hours after approval.

Concerned about your restaurant’s fluctuating revenue? We’re here to help.

  • Short- or long-term financing, depending on your restaurant’s P&L and capability.
  • Adjustment of regular remittances depending on your monthly revenue.
  • Contribute more during periods of strong sales and less during slower periods.

Long-term business loans

Accelerate business growth with a long-term business loan

Build on your success in the restaurant industry and accelerate your business growth with a long-term business loan from Credibly.

  • Enjoy larger-scale growth capital with business-friendly terms: lower interest rates and longer repayment terms.
  • Get stress-free funding with an online application. Credibly’s financing experts will support you throughout.
  • Get approved–fast
  • Automatic weekly payments promise, meaning increased financial stability.

Concentrate on running your restaurant, let Credibly focus on finances

Once approved, use your funds to:

  • Buy existing restaurant properties or assets.
  • Expand with a new branch for your restaurant.
  • Facilitate expansion to a third-party franchisee.

Equipment financing

New restaurant? get new equipment with loans for restaurant businesses

New equipment is a necessity for new restaurants. Elevate your business with financing from Credibly that helps you get:

  • Machines used in cooking and food preparation, like coffee machines, stoves, ovens, and more.
  • Equipment that also acts as the collateral for the duration of the loan.
  • A valid business expense eligible for a Section 179 tax deduction.

Get your loan with 100% U.S.-based business reps 

  • Enjoy exceptional U.S.-based customer service to get the funding you need.
  • Get approved equipment loans immediately deposited into your registered bank account.
  • Turn a profit with flexible loan terms and affordable repayment rates with help from your new equipment and restaurant loan.

How to Apply for Restaurant Business Loans

Step 1
Pre-qualify online

Head to “Get Started,” fill out the form in just a few minutes, and be on the way to getting the funding you need.

Step 2
Approval in as fast as 4 hours

Get approved for restaurant funding in as soon as four hours, with the best restaurant financing options available.

Step 3
Receive secure funding

Access the loan amount in your business bank account. We’ll take care of setting up your automated repayments.

Your restaurant financing solution made fast and easy

Fast and simple restaurant financing

Never miss another opportunity with our fast and simple loan process. You apply online, we review it, and we deposit the funds.

Get the financing you need

Get restaurant loans specifically tailored to your business capacity and needs—fast.

The gold standard in customer service

Enjoy experienced customer-oriented financial support.

Hassle-free automatic payments

Focus on running your business with automated payments for every loan.

The advantages and disadvantages of restaurant loans

Obtain assets and finance your operations, accelerating your business growth. Acquire a new property or equipment, or replenish your inventory without financial downtime.

Before asking how to get a business loan for a restaurant, ask if it’s right for you. Our financing experts are always here to help.

Restaurant loans pros
  • Purchase equipment that would otherwise take longer without a financial boost.
  • Save money by listing the loan as a business expense qualified for a tax deduction.
  • Improve your business credit score with consistent loan repayment.
Restaurant loans cons
  • Repayment depends on the restaurant’s varying revenue.
  • The utility of restaurant loans for equipment depends on the equipment lifespan.
  • Inability to pay on time will hurt future prospects for financing.

Why trust Credibly with your restaurant financing?

A leading lender with verifiable track record

Credibly doesn’t just lend money; we team up with businesses to help them succeed. We have a TrustPilot rating of 4.8 out of 5, and a long track record of assisting over 30,000 small businesses across the country.

We understand that your restaurant is unique

Whether it’s a sandwich stop or a coffee shop, every business has its unique strengths and challenges—and our financing experts at Credibly understand that.

We conduct careful assessments and propose only the best options for restaurant loans.

FAQs for restaurant business loans

Can I get a loan to buy a restaurant?

Yes. Credibly partners with a network of partners to provide long-term restaurant loans. Successful, stable restaurateurs can get larger loan amounts at lower interest rates and more relaxed repayment terms.

Do restaurant owners qualify for SBA loans?

Yes, restaurants can qualify for SBA loans. The US Small Business Administration (SBA) can act as a guarantor for a variety of restaurant loans.

For example, the SBA 7(a) loan can offer up to $5 million in capital.

Meanwhile, the CDC/SBA 504 loan can offer up to $20 million in capital for the purchase, construction, or renovation of restaurant-related real estate.

You can apply for these loans through your local bank, credit union, or lending institution. While these loans may have more favorable terms and rates, they typically have more stringent eligibility requirements in order to qualify.

Can I apply for a bank loan for my restaurant?

It is possible. However, restaurants have a notoriously low approval rate from banks.

With Credibly, you gain access to the additional finances you need.

Accelerate your restaurant’s growth with the right funding

With Credibly, get the financial support you need without putting your restaurant on the line. Contact us today and let’s find the best option that works for you.

Get started by filling out our online prequalification form or calling our financing experts at (855) 348-2006.

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Get the right-fit same-day business loan

Whether it’s an unexpected equipment breakdown, a golden opportunity to stock up on inventory at a discount, or a sudden market shift, there are moments when waiting weeks for traditional financing just won’t cut it. Enter same-day* business loans, the financial lifeline for modern enterprises.

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*Some products are made available through Credibly’s network of external funding partners