Phone:
(844) 462-4730
Business Hours
Mon-Fri: 9AM - 6PM
Address
97 Newkirk Street, 3rd Floor
Jersey City, NJ 07306
Phone:
(844) 462-4730
Business Hours
Mon-Fri: 9AM - 6PM
Address
97 Newkirk Street, 3rd Floor
Jersey City, NJ 07306
Applying WILL NOT impact your credit.
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.
Applying WILL NOT impact your credit to review your options*
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.
Pros:
Low interest rates and long repayment terms
Ideal for expansions, renovations, and franchise buildouts
Popular choice for structured restaurant business loans
Cons:
Pros:
Specifically tailored for purchasing or upgrading kitchen equipment
Equipment serves as collateral—easier approval
Preserves working capital for other restaurant operations
Cons:
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:
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:
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 |
Fill out a short, secure application with basic info about your restaurant, funding needs, and contact details—no paperwork or in-person meetings required.
We’ll review your application and match you with the best restaurant loan programs, including SBA loans, equipment financing, merchant cash advances, and more.
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.
Stephanie Whitworth2025-07-03Trustindex 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. Brian Dale2025-07-02Trustindex 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! George Lopez2025-06-03Trustindex 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, Jak Dawson2025-05-22Trustindex 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. Francisco Montero Naranjo2025-04-22Trustindex 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. Gloria Ortiz2025-04-09Trustindex 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! Christiaan2025-04-08Trustindex 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. Jocelyn Farrar2025-04-06Trustindex 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 Travis Messman2025-04-01Trustindex 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. Nicole Olar2025-03-18Trustindex 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
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.
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.
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.
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.
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.
Our minimum guidelines are easy to qualify for:
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Address
97 Newkirk Street, 3rd Floor
Jersey City, NJ 07306