Loans for Restaurants

Learn how you can open or expand your restaurant, or purchase new equipment for your food services with a business loan.

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For many people, opening a restaurant is more than just a small business idea, it’s a long-term dream. Whether you’re a chef or just a person who lives to host others, opening a restaurant is a mix of business savvy, passion, and often a dash of financing.

For many restaurant owners, getting a small business loan can be tricky, which is why many people rely on on combination of funding sources. The sources often include investors, crowd-funding and credit cards, but experienced restaurateurs typically end up using some form of financing.

At Cardiff, restaurants are among our top 5 funded industries. Our average restaurant approval is $95,000. Rates and terms depend heavily on the budget, credit, revenue, and needs of the business owner.

How To Get A Business Loan For A Restaurant

You’ve built your business from the ground up and as you grow so do your needs. Whether you need to hire on more personnel to cover the demands for your business or need new equipment to take on those larger reservations and orders, you need the funds to do it.

With a Cardiff loan, while you put the finishing touches on your customers’ meals, we can make sure your financial foundation stays just as strong.

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Working Capital

Credit Score	500 FICO
Time in Business	6MO
Revenue	$10KMO $120KYR
Citizenship Status	Legal Residency
Ownership	Any Owner

Equipment Financing

Credit Score	600+FICO
Time in Business	2YRS
Revenue	None!
Citizenship Status	Legal Residency
Ownership	51%

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What Are the Loans Available For Restaurants and Food Businesses?

For restaurants in particular, cash flow needs can vary at different times in the development of your restaurant, so many owners find that setting up a few forms of financing makes sense. Often this can include an equipment loan to get started, a line of credit or working capital loan to keep cash flowing smoothly, and inventory financing to purchase food or supplies that you will later sell back to your customers.

Aspiring food truck owners may also want to consider a commercial vehicle loan to finance the initial cost of their truck, along with a combination of flexible financing to keep the truck supplied.

Short-Term Loans

These loans are ideal for rapid growth and short-term cash flow needs for expansion.

Business Line of Credit

If you find recurring cash flow problems due to delay in payment or other seasonal funding issues, a line of credit can be helpful.

Equipment Financing

If you want to acquire new vehicles, machines, and other equipment for your company, this form of financing works well.

Small Business Administration Loans

If you’re not in a hurry for financing and you’re looking for a longer repayment term, an SBA Loan can work for you.

Business Credit Cards

Owner-operators who need fuel and toll expenses covered can use business credit cards. You’ll need a credit score of 680 or more to qualify.

How to find the best loans for your needs

Working with an experienced and tech-savvy lender like us can often yield the best “package” of financing. At Cardiff we know there’s a lot of competition for lenders online, which is why we have leveraged technology to keep up with the increasing demand for credit and flexible financing options that work for you.

In addition to the modern ease of working with Cardiff, we know that restaurants have passionate owners — you care deeply about your customers and the craft of cooking and serving food. And we do too.

We will take the time to examine your priorities to make the most of your financing so your restaurant will achieve the goals you’ve set. That way, as your business grows, we can be there for you as you need more equipment or expand your business in the future.

About Cardiff

A trusted leader in small business lending

Cardiff, a small business lender based in San Diego, offers fast, flexible financing solutions tailored to the needs of small businesses throughout the US. Since 2004, the company has funded over $10 billion, providing approval in minutes and same day funding in most cases.

Backed by the latest technology and integrations with partners like Plaid®, Cardiff blends real-time financial analysis with personalized service, to deliver a reliable, transparent experience for business owners across industries like construction, restaurants, trucking, and more.