Restaurant Loans

Secure a restaurant loan that allows you to quickly take the next step in growing your business. 

Updated kitchen or dining equipment

Construction needs like a refreshed parking lot

Expand to additional locations

Starting a promotion campaign to encourage more business

Working capital or borrowing power for peace of mind

Restaurant Loan for Working Capital or Line of Credit

Running your restaurant can be exciting, but you can often be faced with unexpected situations. Working Capital loans are easy with many options, and Private Money loans can be especially useful if you need funds quickly. These loans can provide you with:


  • Quick income to purchase inventory that’s necessary for your business
  • Financing to start a marketing campaign to expand knowledge of your offerings
  • Manage cost fluctuations due to seasonal changes or emergency situations
  • Even without an immediate need, establish a line of credit now, business opportunities and or issues can arise quickly, and having committed funds available allows you to be prepared
Restaurant - Eating

How to Effectively Apply for a Restaurant Loan


Fill Out Our Online Application

Our simple pre-application doesn’t have a hard credit pull to begin and gives us enough information to put you on track for funding for your restaurant needs.


Review Options With Our Team

Work one-on-one with our financing team to discuss multiple funding options. We’ll also match your business objectives with one of our 100+ vetted private lenders.


Receive the Funding You Need

Once approved, you’ll be on your way to meeting your restaurant ownership goals.

Restaurant Equipment

Equipment loan for your restaurant

To effectively run your restaurant, it’s imperative that your equipment is, and remains, in working order. This unique loan gives you flexible term lengths and is cost-effective because it covers maintenance and repairs. Use an equipment loan to:

  • Upgrade or replace equipment that is not up to standard, and increase productivity
  • Bring in new technology or equipment without the heavy up-front cost
  • Lease to gain access to equipment that you need only short-term or seasonally
Restaurant Constuction Loan

Renovation Loan for your restaurant

As a restaurant owner, you take pride in your business. From your location to the interior, you want to ensure that your location is comfortable and inviting. These loans are cost-effective, specialized for construction needs, and flexible. A construction loan can give you the opportunity to:

  • Repair and restore your parking lot with new asphalt and fresh stripes
  • Renovate your restaurant with new flooring or fresh paint, enlarge your kitchen and dining room, or install a patio
  • New construction to expand your franchise to new locations

Learn More


We believe that the more you know, the better the decisions you make. And in the financing world, better decisions mean lower rates, better terms, and increased profitability.

These FAQs are only the start. Our team is here to answer all of your questions and support you in finding the best financing solution for your unique scenario.

Q. Is my business eligible for a restaurant loan?

The answer depends on the lender you choose. Requirements vary based on the type of loan you want and how much you need to borrow. You have several options when choosing funding for your restaurant upgrade or expansion project, and a broker can help you qualify for the one you want.

Q. Where can I find the lowest-rate restaurant loan?

You can shop around online for ages looking for the right lender, but only a broker can get you deals you won’t find online. Our brokers build relationships that take years, just to make sure you get the best terms possible on your next restaurant loan. Ask us to match you with the right lender.

Q. Is my business eligible for a restaurant loan?

Eligibility requirements depend on the type and amount of the loan you are seeking. With various options available for funding your restaurant upgrade or expansion project, The Funding Lane is here to assist you in finding the right product tailored to your specific needs.

Q. How do I apply for a restaurant loan?

Simply fill out our online application or call us to speak with one of our trusted advisors. Once we establish your business goals and financing needs, we can initiate the lending process. You’ll be asked to complete a straightforward online or PDF loan application and provide your most recent 4 months of bank statements to document sales. Once received, we will take care of the rest. Upon approval and acceptance of the offer, funds can be wired directly into your bank account. The entire process is easy and typically takes 3 to 5 business days!

Q. Does The Funding Lane Run My Credit?

The Funding Lane conducts soft credit pulls through our national network to evaluate which lenders are likely to approve your application. If a hard inquiry is necessary, we will notify you upfront immediately.

Q. Are there any costs to apply?

No, there are no costs associated with the application process. We collect the information and provide you with options and solutions. You can then decide whether to accept.

Q. Why Apply For a Business Loan?

Whether you’re ready to take the next step or have a promising opportunity at hand, we offer financing options to support your business needs. Whether it’s for expansion, renovations, equipment upgrades, or hiring more employees, we’ve got you covered.

If you’re facing daily operational challenges, we can swiftly provide the financing you need. This includes covering payroll, emergency repairs, or unexpected tax bills.

Additionally, if you aim to keep your business robust or navigate seasonal downturns in sales, we can secure a loan or line of credit to stabilize cash flow and build up emergency funds.

Q. What type of loans do you offer?

We provide two primary types of loans: term loans and lines of credit.

A business line of credit offers you flexible access to cash on an as-needed basis. With this financing, you can draw cash from your total credit limit for any business purpose, paying interest only on the amount you use. The balance can be paid down at any time, adjusting your payments accordingly, and the repaid amount becomes available for future use. Business owners often establish lines of credit proactively, recognizing that having committed working capital on standby is a smart way to be prepared for unexpected opportunities or challenges.

On the other hand, a term loan allows borrowers to access a set amount of capital that must be repaid over a predetermined period. The total amount, along with interest, is repaid through regular installments—monthly, bi-weekly, or weekly, depending on the agreed-upon terms.

Q. Where Can The Funding Lane Lend?

We have financing options for businesses in all 50 states!

Get Funded

The funding process starts with a short 3 minute online application. Our team will then review your needs and quickly provide you with a custom funding proposal that targets your desired financing types, rates, and terms.