Serving Up Capital That Feeds Your Restaurant’s Growth

Q: 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 revenueBusiness checking accountUS based businessUS citizen or legal permanent resident

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.

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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.

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.

Please enable JavaScript in your browser to complete this form.

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

SBA Loans for Restaurants

Pros:

Low interest rates and long repayment terms
Ideal for expansions, renovations, and franchise buildouts
Popular choice for structured restaurant business loans

Cons:

Slow approval process
Requires strong credit and detailed documentation
Not ideal for quick or emergency funding needs

Restaurant equipment financing

Pros:

Specifically tailored for purchasing or upgrading kitchen equipment
Equipment serves as collateral—easier approval
Preserves working capital for other restaurant operations

Cons:

Limited to equipment-related expenses
May require a down payment
Missed payments can result in losing essential equipment

Restaurant line of credit

Pros:

Flexible access to funds when needed
Great for managing seasonal cash flow dips
Interest only applies to funds used, making it efficient for restaurant financing

Cons:

May include maintenance or draw fees
Risk of overuse leading to accumulating debt
Not suitable for major equipment purchases

Merchant cash advance for restaurants

Pros:

Fast funding based on credit card sales volume
Ideal for restaurants with consistent daily revenue
A go-to option when traditional restaurant loans aren’t accessible

Cons:

High factor rates can make it expensive
Daily repayments can strain cash flow
Not recommended for low-margin 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

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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

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.