Funding for Restaurants
The restaurant industry requires substantial upfront investment with narrow profit margins. A full commercial kitchen buildout can cost $150,000 to $500,000, and even a single commercial oven or walk-in cooler can run $10,000 to $50,000. Combined with first and last month rent, tenant improvements, licenses, and initial inventory, opening or renovating a restaurant demands significant capital.
FundFi partners with lenders who specialize in food service financing and understand the unique economics of restaurant businesses. Equipment financing options cover commercial kitchen equipment, POS systems, refrigeration, and furniture with terms up to 5 years. Working capital lines of credit help manage the weekly fluctuations in revenue that are common in food service.
For restaurant owners opening a second or third location, SBA loans up to $2 million provide the long-term, lower-rate financing needed for lease deposits, buildout costs, and initial operating capital.
Common Restaurants Funding Challenges
Why Choose FundFi for Restaurants Funding
- Equipment financing for commercial kitchen buildouts, POS systems, and refrigeration with terms up to 5 years
- Daily and weekly repayment options that align with restaurant cash flow instead of fixed monthly payments
- Funding available for restaurant owners with as little as 6 months in business and $8,000 in monthly revenue
- SBA and term loan options up to $2M for multi-location expansion, franchise acquisitions, and major renovations
Recommended Funding Products
Frequently Asked Questions
Restaurant funding can be used for kitchen equipment purchases, building renovations, new location buildouts, inventory, POS upgrades, outdoor dining installations, staffing during slow seasons, and marketing campaigns.
Restaurants with at least 6 months of operating history and consistent revenue can qualify for working capital and equipment financing. Brand-new restaurants without revenue history can still pursue SBA microloans and equipment financing where the equipment serves as collateral.
Short-term working capital loans run 6–18 months with daily or weekly automatic payments. Equipment financing offers 2–5 year terms with fixed monthly payments. SBA loans provide the longest terms at 7–10 years for working capital and up to 25 years for real estate purchases.
Most lending partners require a minimum of $8,000 to $15,000 in monthly revenue for working capital products. Equipment financing may have lower revenue requirements. SBA loans typically require demonstrated annual revenue of $100,000 or more.
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