Best Business Loans for Hospitality / Guides / Restaurant business loans: your options
Guide · reviewed 11 November 2026
Restaurant business loans: your options
Answer in brief
Restaurants usually fund equipment with asset finance, refits with a term loan, and cash flow with a merchant cash advance or short-term loan. Lenders focus on card takings, margins and lease length. New sites are hardest to fund without a track record.
New site vs existing site
Lenders prefer funding an existing, profitable restaurant. For a new site, expect to need a deposit, a strong operator track record and sometimes security.
Cash flow
Daily card takings make restaurants suited to a merchant cash advance, but compare it with a short-term loan first.
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