Industries

Restaurant Business
Loans & Financing

From small cafes to franchise establishments, we’ve provided businesses nationwide with restaurant loans!

We're a Funding Partner
with a Proven Track Record

Since 2008, we've grown with the companies we support.

What Are Restaurant Loans?

Restaurant loans are business loans designed just for the restaurant industry. They are tailored to the recurring expenses and cash flow needs of food service companies. Each loan is uniquely tailored to the needs of the individual restaurant. These loans can provide much-needed cash even during slow times of the month or year.

How Restaurant Loans Work

Restaurants that need working capital, especially during the early phases of their business often get restaurant loans. These loans provide the resources they need to pay their staff, buy products and cooking equipment, and even pay the building lease and other bills during the slowest times of the year.

Use Cases

How To Use a Restaurant Loan

There are many ways to use a restaurant loan. Whether you want to expand your operations or add new staff, here are some of the top ways that businesses use these loans.

Learn Why Us
  • Expansion

    Expand your restaurant business to a new location.

  • Equipment

    Buy new cooking equipment to outfit your restaurant kitchen.

  • Staffing

    Hire new restaurant staff to give your guests the best service.

Why Apply for Restaurant Financing

Purchase Inventory

Getting enough inventory to open a business is one of the reasons people apply for restaurant loans.

Invest in Marketing

Marketing is critical for any business. Get restaurant financing to help grow your business.

Implement an Online Ordering System

Implement a new online ordering system to improve the customer experience and save you time.

Minimum Eligibility Requirements

Get a restaurant business loan to help you with all the expenses of making and serving food. We can help you with your lending needs if you meet the following eligibility criteria.

Minimum Requirements
Time in Business Minimum 6 Months
Business Annual Growth Revenue $150K + Annual Revenue
Business Checking Account Yes
US Citizen/Based Company Yes
FICO Score 500+
Collateral None
Other Financing None
Bankruptcies None open

Better Your Business With Fora Financial

  • Open New Locations

  • Purchase Equipment

  • Hire Restaurant Staff

  • Buy Inventory

  • Invest in Marketing

  • Invest in an Online Ordering System

What Fora Financial customers say

Services Business Loans
"I didn't have any capital or line of credit to start with, so I applied to Fora Financial for a loan. The team was easy to work with. Fora's products can help small businesses weather ripples in the economy that might otherwise be a serious problem."
Debra Heim
Very Best Little Hairhouse, Sharon, PA
Revenue Advance
"We couldn't do it without the help of Fora Financial, and the people there are just tremendous. I highly recommend the financing program to anyone that needs it.”
John Bogonis
Owner / Carlisle Bakery, Carlisle, PA
Small Business Loan
“The integrity and relationship is extremely strong, really appreciated the way Fora Financial worked with us and it was such a positive experience for my company and for myself.”
Rodney Thomas
Owner / Thomas and Herbert Consulting
Revenue Advance
“With Fora Financial, he was able to get an approval with minimal paperwork and the financing he needed within 3 business days.”
Juan Manuel Perez
Restaurant Owner / Pita Grill, New York, NY
Small Business Loan
“The process at Fora Financial was quite transparent, you know what you were getting into, quite honest, actually very easy and as I grew and took more advances, the terms got better.”
Dickson Shreffler
Owner / Sleepy Poet Antique Mall, Charlotte, NC
Small Business Loan
“There's no such thing as cut and dry any more, it doesn't work that way and Fora Financial was able to do that and they are still able to do that today. I hope we can continue this relationship for years to come.”
Russell Bobo
Owner / Bobo Engineering Incorporated
Revenue Advance
“True to their word, Fora Financial provided substantial funds that allowed us to get some very nice jobs.”
Ed Campany
Owner / Campany Roof Maintenance, West Palm Beach, FL
Revenue Advance
“Fora Financial provides better banking in general.”
Ismael Lopez
Owner / PR Wraps, Miami, FL
Small Business Loan
“When Fora Financial offered the opportunity to provide us with capital, we jumped right on it. We thought it was a win-win situation. It makes sense.”
Joseph Pou
Owner / J&J Pool and Beach Services
Revenue Advance
“If it wasn't for Fora Financial I don't know if we would have made it through the summer.”
Carl Busset
Owner / The 19th Hole at the Saints, Port St Lucie, FL
Services Business Loans
"Thanks to the working capital I received from Fora Financial, I was able to retain my employees during a challenging time. Applying was easy and the turnaround time was great!"
Denise Barron
Proprietor / Growing Patch Learning Center, Pittsburgh, PA

Restaurant Loans FAQ

If you want a loan for a restaurant, you can choose from equipment loans, business lines of credit, working capital loans, traditional commercial lending, and inventory financing. Some loans are multi-purpose while others can only be used for a particular business need.
Yes and no. Financing a restaurant with certain loan types can be very difficult to obtain. People with good credit scores or other success in business are more likely to get restaurant loans than those who have never done business before or who have bad credit.
Most lenders look for a credit score of at least 640. Although, some lenders will consider lower credit scores if you have more cash to invest in the business.
The average person can expect to get anywhere from $5000 to $1 million or more for loans to open a restaurant. Since each situation, business plan, and business owner are so unique, future restaurant owners need to talk to a lender to get more information.
Yes, but it comes at a cost. Those with credit scores under 600 can expect to pay higher interest rates on their loans, have shorter loan terms, and may need more cash up front to secure the loan.

Your Mission Is Ours

Get Financing Today

Get started with your application and join Fora Financial's family of forward-thinking businesses.