Serving Up Capital That Feeds Your Restaurant’s Growth

A great restaurant starts with the right ingredients—like funding. Our restaurant loans are the secret sauce to fuel growth, cover costs, and keep your business cooking.

Step 1 of 2

How much capital do you need?

Business Name

How Long you have been in business?

Please describe the nature of your business?

What is your monthly average revenue range?

Applying WILL NOT impact your credit.

Restaurant Loans Cooked Up for Expansion, Equipment & More

A great restaurant starts with the right ingredients—like funding. Our restaurant loans are the secret sauce to fuel growth, cover costs, and keep your business cooking.

Step 1 of 2

How much capital do you need?

Business Name

How Long you have been in business?

Please describe the nature of your business?

What is your monthly average revenue range?

Applying WILL NOT impact your credit to review your options*

Same Day Funding Available

Terms Up To 25 Yrs

One Application, Multiple Funding Options

No Hard Credit Check

Fueling Growth in the Food & Beverage Industry

Running a restaurant is no small feat—it takes more than just great food to succeed. From daily operational costs to unexpected repairs, restaurant loans provide the financial support needed to keep things running smoothly. Many restaurants use loans to manage seasonal cash flow fluctuations, purchase or upgrade kitchen equipment, hire staff, or renovate their space to attract more customers.

For new restaurant owners, access to capital is crucial for covering startup costs like licensing, location build-out, and marketing. Established businesses often rely on loans for restaurants to scale operations, open new locations, or respond to rising supply costs. Whether it’s an SBA loan, equipment financing, personal loan, or a business credit card, the right funding helps restaurants stay competitive and profitable in a fast-paced industry.

Compare Loans for Restaurants

Restauran business Loans: Pros & Cons

Pros	Cons
Flexible funding options	May require personal guarantees
Improved cash flow for seasonal needs	Higher interest rates for some loans
Access to equipment financing	Debt service coverage ratio (DSCR) requirements
SBA 7(a) loans available	Longer approval times for certain loans
Possibility of building business credit	Need for solid business plan

Restaurant financing Application Process

Apply Online in Minutes

Fill out a short, secure application with basic info about your restaurant, funding needs, and contact details—no paperwork or in-person meetings required.

Get Matched with an Offer

We’ll review your application and match you with the best restaurant loan programs, including SBA loans, equipment financing, merchant cash advances, and more.

Get Funded—Fast

Once approved, receive funds directly into your business account—sometimes in as little as 24 hours. Use it to cover equipment, payroll, renovations, or anything your restaurant needs to grow.

When to Use Restaurant Business Financing

I appreciate the communication and knowledge the AMP team shared with me. I got the funding I needed in time and was able to pick up a big project I really wanted!

Matthew L.

It is an excellent company, the process to get funded was very easy and fast, and the customer service was very good 👍

Sebastián V.

Great customer service. Everyone was very friendly but still professional. They went the extra mile to help me get funding. They are awesome!

Stephanie D.

What our clients say about us

See what our clients say

    
 
 
       Posted on Google  
   
   Stephanie Whitworth 
 
 
 
 Trustindex verifies that the original source of the review is Google. AMP helped me secure a business line of credit that was a game-changer for my seasonal tourism business. During the slow months, it gave me the cash flow I needed to cover payroll and prep for peak season—smooth, fast, and exactly what I needed to stay afloat.
  
 
      Posted on Google  
   
   Brian Dale 
 
 
 
 Trustindex verifies that the original source of the review is Google. John at AMP got creative and made it happen. He stacked multiple funding options to get me the capital I needed fast. Smart, responsive, and results-driven. Highly recommend!
  
 
      Posted on Google  
   
   George Lopez 
 
 
 
 Trustindex verifies that the original source of the review is Google. John and his team(AMP Advance) are very professional and knowledgeable. Im a restuarant owner in California,  having access to quick  capital is  crucial to us restaurant owners That's what Amp Advance has been able to do for us. Quick turn around, competive pricing, not to mention their customer service is second to none. I would highly recommend giving John and his team an opportunity to earn your business. Thanks Amp Adavnce,
  
 
      Posted on Google  
   
   Jak Dawson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amp Advance did great with their customer service, understanding my business, and quick loan services. Thanks a lot for the help with my Florida Business Loan.
  
 
      Posted on Google  
   
   Francisco Montero Naranjo 
 
 
 
 Trustindex verifies that the original source of the review is Google. Glad I called AMP, they came in clutch for business funding for my Irvine, CA business when my biggest client had payment issue to help me cover my payroll with a business line of credit.
  
 
      Posted on Google  
   
   Gloria Ortiz 
 
 
 
 Trustindex verifies that the original source of the review is Google. You've guys helped me hit my funding goals so I can grow my business from start up to where I am today! Your team took the time and helped me a lot. Thanks!
  
 
      Posted on Google  
   
   Christiaan 
 
 
 
 Trustindex verifies that the original source of the review is Google. I used AMP to secure equipment financing for network servers and storage networks. The process was smooth, and they helped me get exactly what I needed, without tying up my cash flow.
  
 
      Posted on Google  
   
   Jocelyn Farrar 
 
 
 
 Trustindex verifies that the original source of the review is Google. Carlos got me funded for a business line of credit where my bank declined me! He’s my guy when I need business funding I would highly recommend
  
 
      Posted on Google  
   
   Travis Messman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matt and the team at AMP helped me consolidate my business debt into a single loan with an affordable payment, saving me 40% on cash flow.
  
 
      Posted on Google  
   
   Nicole Olar 
 
 
 
 Trustindex verifies that the original source of the review is Google. John and the team at AMP were absolute lifesavers! They listened to my needs and made the process of securing a business line of credit easy and educational!
  
 
  
  
 
 
   Google rating score: 5.0 of 5, based on 46 reviews

YOU GOT QUESTIONS? WE HAVE ANSWERS!

What’s the best restaurant loan for starting a new restaurant?

Many new owners turn to SBA loans for restaurants due to their low interest rates and long repayment terms. If you’re just launching, personal loans or restaurant business loans may also be viable if business credit is limited.

How can I finance kitchen equipment for my restaurant?

Equipment financing is a great option for new restaurant owners who need to purchase ovens, refrigerators, or POS systems. These loans are often easier to qualify for since the equipment itself serves as collateral.

I don’t have business credit—can I still get a restaurant loan?

Yes. Options like merchant cash advances or personal loans for restaurant startups can provide funding even with limited credit history, especially if your business has strong projected revenue.

What can I do if I have seasonal slowdowns right after opening?

A business line of credit for restaurants gives you flexible, reusable funds to manage dips in cash flow during slow periods—perfect for covering payroll, rent, or inventory.

Can I use food truck financing to launch before opening a full restaurant?

Absolutely. Food truck financing allows new entrepreneurs to test their concept, build brand awareness, and generate revenue before investing in a full-scale restaurant buildout.

What do I need to qualify for restaurant financing?

Our minimum guidelines are easy to qualify for:

6 months in business
$10,000 minimum monthly revenue
Business checking account
US based business
US citizen or legal permanent resident

Apply Now

Serving Up Capital That Feeds Your Restaurant’s Growth

A great restaurant starts with the right ingredients—like funding. Our restaurant loans are the secret sauce to fuel growth, cover costs, and keep your business cooking.