Restaurant Industry

    Restaurant Business Loans & Financing – Fast Funding for Your Restaurant

    From food inventory and kitchen equipment to seasonal staffing and new location openings — get the capital your restaurant needs in as little as 24 hours. No hard credit pull. No hidden fees.

    Apply Now — No Credit Impact
    No credit impactSoft pull only
    24-hour fundingFast approval
    30,000+ fundedNationwide
    Busy restaurant interior - restaurant business loans and financing for restaurant owners
    $2.5B+
    In business fundingDeployed to SMBs nationwide
    4.9
    Customer ratingBased on 12,000+ reviews
    95%
    Approval rateAmong qualified applicants
    24 hrs
    Avg. restaurant fundingFrom application to deposit

    Restaurant Owner Reviews

    Trusted by restaurants across the country.

    "GBB Loans funded our kitchen renovation in under 48 hours. We upgraded our entire line and added a wood-fired pizza oven — and we never had to close for a single day."

    Marco D.Italian Restaurant Owner, Chicago IL

    "After two banks turned us down because of our credit, GBB Loans focused on our daily sales and approved us the same afternoon. The line of credit keeps our inventory fully stocked."

    Lisa T.Café & Bakery Owner, Portland OR

    "The merchant cash advance was perfect for us — repayments flex with our daily card sales so slow Mondays don't hurt us. Used the funds for a patio expansion and it's already paying for itself."

    James W.BBQ Restaurant Owner, Dallas TX

    How it works

    Four simple steps to restaurant funding.

    Restaurant business loan online application process step one
    Apply Online

    Fill out a 2-minute form.

    Tell us about your restaurant, average monthly revenue, time in business, and how much capital you need. No hard credit pull — your score stays safe.

    2 minto complete
    Get matched with restaurant business loan lenders
    Get Matched

    See your best options.

    A dedicated funding advisor reviews your profile and matches you with the best restaurant financing options from 75+ lenders in our network.

    Same daydecision
    Review restaurant loan terms and compare financing offers
    Review Terms

    Compare offers transparently.

    Review your loan terms, rates, and repayment schedule with full transparency. No hidden fees, no surprises — just clear options tailored to your restaurant.

    0hidden fees
    Get funded for restaurant business needs within 24 hours
    Get Funded

    Receive your capital.

    Sign your agreement and get funds deposited directly into your business account — often within 24 hours. Upgrade, stock up, and grow immediately.

    24 hrsavg. funding time
    No hard credit pull Free to apply No hidden fees

    Qualification Tool

    How much can you qualify for?

    Estimate your monthly payments and see how much funding your restaurant could access.

    Loan Details

    Loan Amount$75K
    $5K$500K
    Loan Term24 months
    3 mo60 mo

    Credit Profile

    Credit RangeGood
    Est. rate:% APR

    Optional

    Extra Monthly Payment
    $/ mo

    Monthly

    $3,531

    per month

    Interest

    $9.7K

    total interest paid

    Total Cost

    $84.7K

    principal + interest

    Ready to move forward? Based on your inputs — $75,000 over 24 months — you could be approved in minutes.

    Apply now — it's free

    We Know Restaurants

    GBB Loans understands the restaurant business.

    From seasonal cash flow swings to kitchen equipment upgrades — we've funded thousands of restaurants and understand your unique capital needs.

    Bridge Seasonal Slow-Downs

    Cover rent, utilities, and payroll during off-peak months while you prepare for the next rush season. Keep your restaurant running strong year-round.

    Purchase Inventory & Supplies

    Stock up on food, beverages, and supplies in bulk for better margins. Finance large vendor orders without draining your operating cash reserves.

    Upgrade Kitchen Equipment

    Finance commercial ovens, walk-in coolers, fryers, dishwashers, and prep stations. Modern equipment improves efficiency, food quality, and kitchen safety.

    Pay Staff During Slow Periods

    Retain your best cooks, servers, and managers through slow seasons. Cover payroll gaps so you're fully staffed when business picks back up.

    Invest in Marketing & Promotions

    Fund social media campaigns, local advertising, delivery app partnerships, and grand opening events to drive foot traffic and online orders.

    Renovate or Expand Location

    Remodel your dining room, add outdoor seating, upgrade your bar, or expand into an adjacent space. Finance build-out costs with predictable repayment.

    Cover Unexpected Repairs

    Handle emergency HVAC failures, plumbing issues, hood system repairs, or health code compliance upgrades without shutting down operations.

    Open a New Location or Franchise

    Finance the lease, build-out, initial inventory, staffing, and launch marketing for a second restaurant location or franchise opportunity.

    Financing Solutions

    Best loan types for restaurants.

    Compare the most popular financing options for restaurants, cafés, bars, and food service businesses.

    Working capital loan for restaurant inventory and cash flow
    Cash Flow

    Working Capital Loans

    Cover food and supply costs, payroll, rent, and seasonal cash flow gaps. Ideal for restaurants that need fast, flexible working capital between busy periods.

    • $5K–$500K loan amounts
    • Funds in as little as 24 hours
    • No collateral required
    Merchant cash advance for restaurants and food service businesses
    Fastest Funding

    Merchant Cash Advance

    Get capital based on future credit card sales — repay automatically as a percentage of daily transactions. Perfect for high-volume restaurants and bars.

    • $10K–$500K advances
    • Same-day funding available
    • Automatic daily repayment
    Business line of credit for restaurant owners and operators
    Most Flexible

    Business Line of Credit

    Draw funds as needed for food inventory, marketing campaigns, or seasonal hiring. Only pay interest on what you use — repay and redraw as your restaurant needs fluctuate.

    • $10K–$500K credit limits
    • Revolving — repay and redraw
    • Ideal for seasonal restaurants
    SBA loans for restaurant expansion and commercial kitchen buildout
    Lowest Rates

    SBA Loans

    Government-backed loans with the lowest rates and longest terms. Ideal for restaurant expansion, commercial real estate, buildouts, and major kitchen renovations.

    • $50K–$5M loan amounts
    • Terms up to 25 years
    • APR from 7.49%
    Restaurant equipment financing for kitchen appliances and POS systems
    Asset-Based

    Equipment Financing

    Finance commercial ovens, refrigeration units, POS systems, and specialty kitchen equipment. The equipment itself serves as collateral — preserving your cash flow.

    • $10K–$2M financing
    • Equipment as collateral
    • 100% financing available
    Bad credit restaurant business loans and financing options
    All Credit Welcome

    Loans for Bad Credit

    Don't let your credit score hold your restaurant back. Revenue-based underwriting focuses on your daily sales volume and cash flow, not your FICO score.

    • $5K–$400K loan amounts
    • Credit scores under 600 OK
    • Fast 24-hour funding
    Revenue-based financing for restaurants and food service businesses
    Revenue-Based

    Revenue-Based Financing

    Flexible funding based on your monthly restaurant revenue. Repayments scale with your sales — pay less during slow months and more when business is booming.

    • $5K–$500K loan amounts
    • Payments flex with revenue
    • All credit profiles welcome

    Compare Options

    Which restaurant financing is right for you?

    Best for Daily Cash Flow

    Merchant Cash Advance

    Amount$10K – $500K
    SpeedSame day
    Best forHigh card-sales volume, flexible repayment
    Learn More
    Best for Equipment

    Equipment Financing

    Amount$10K – $2M
    Speed1–3 days
    Best forKitchen equipment, POS systems, refrigeration
    Learn More
    Best for Expansion

    SBA Loans

    Amount$50K – $5M
    Speed2–6 weeks
    Best forNew locations, real estate, large renovations
    Learn More

    Expert Tips

    Smart financing tips for restaurant owners.

    Plan for Seasonal Dips

    Secure a line of credit before your slow season hits. Having capital ready means you can cover rent, payroll, and vendor bills without stress.

    Use MCAs for Card-Heavy Sales

    If most of your revenue comes from credit cards, a merchant cash advance lets you repay automatically through daily transactions — no fixed monthly bill.

    Invest in Revenue Drivers

    Use financing to fund marketing, delivery app partnerships, and menu upgrades that directly increase revenue — making your loan pay for itself.

    Separate Business & Personal Finances

    Open a dedicated business bank account and keep clean financial records. Lenders prefer 3–6 months of consistent business bank statements.

    Upgrade Equipment Strategically

    Finance equipment that improves efficiency — faster ovens, energy-efficient refrigeration, modern POS systems — to reduce operating costs long-term.

    Build Business Credit Early

    Even small loans reported to business credit bureaus help build your restaurant's credit profile, unlocking better rates and larger loans down the road.

    Compare Multiple Offers

    GBB Loans matches you with 75+ lenders. Always compare rates, terms, and total cost of capital before accepting — even a 1% rate difference saves thousands.

    Keep 3 Months of Reserves

    Maintain a cash reserve covering 3 months of operating expenses. Use financing for growth — not survival — and you'll always negotiate from a position of strength.

    Common questions

    Everything you need to know about restaurant financing.

    Resources

    Guides & insights for restaurant owners.

    How to finance restaurant kitchen equipment

    How to Finance Restaurant Equipment Without Breaking the Bank

    Learn how equipment financing helps restaurants upgrade kitchens, POS systems, and refrigeration without large upfront costs.

    Read more
    Merchant cash advance guide for restaurants

    Merchant Cash Advances: A Restaurant Owner's Guide

    Understand how MCAs work, when they make sense for restaurants, and how to compare offers from multiple providers.

    Read more
    SBA loans for opening a second restaurant

    Using SBA Loans to Open a Second Restaurant Location

    A step-by-step guide to financing your restaurant expansion with government-backed SBA loans through GBB Loans.

    Read more

    Ready to Fund Your Restaurant?

    Prequalify in 2 minutes. No credit impact. See your best restaurant financing offers from 75+ lenders.

    No credit impactSoft pull only
    24-hour fundingFast approval
    30,000+ fundedNationwide
    Step 1 of 14

    What do you need funding for?

    GBB Loans

    America's largest small business loan marketplace. Funding made simple, fast, and transparent.

    Copyright © 2026 GBB Loans. All rights reserved.

    California loans made pursuant to the California Financing Law, Division 9 (commencing with Section 22000) of the Finance Code. All such loans made through GBB Loans Partners, LLC, a wholly-owned subsidiary of GBB Loans, Inc. and a licensed finance lender/broker, California Financing Law License No. 60DBO-44694. GBB Loans is not a lender and does not make credit decisions. Financing terms, conditions, and eligibility are determined solely by the participating lenders and may vary based on applicant qualifications. Compensation may be received from lenders for referrals or funded loans, which may impact the placement of financing offers. Not all financing options available in the market are listed on this platform. We encourage applicants to carefully review all lender disclosures and loan agreements before proceeding. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    1. Time to fund depends upon the product that you select, and can be as little as 24 hours, but may be longer.
    2. Filling out an application for business funding and submitting it to our funding partners will not impact your personal credit score. However, depending on the product and lender, accepting a funding offer may result in a hard credit inquiry, which could affect your personal credit score.
    3. Funding amounts and number of total loans funded include loans funded under the Paycheck Protection Program.