Restaurant & Hospitality Financing
Capital for kitchens, build-outs, and slow seasons
Hospitality runs on thin margins and heavy card volume, which most banks treat as risk and specialty lenders treat as data. Loanwise Solutions places restaurant and hotel operators with lenders that underwrite daily sales, not just tax returns.
Cash flow challenges we see
- Banks classify food service as a high-risk industry
- Build-outs and equipment cost more than early revenue supports
- Seasonal and weather-driven swings strain cash
- Franchise fees are due before the doors open
What owners use financing for
- Remodel a dining room or add a patio before peak season
- Replace walk-in coolers, hoods, or POS systems
- Cover payroll through a slow winter quarter
- Open a second location or franchise unit
Typical qualifying profile
- Time in business
- 6+ months with consistent card volume
- Credit
- 550+ FICO possible on revenue-based programs
- Typical size
- $10K–$1M working capital; equipment to $500K
- Speed
- Same day to 72 hours
These are typical ranges across our lending partners, not guarantees. Loanwise Solutions is a broker, not a direct lender — final terms come from the lender we place you with.
Best financing options for restaurants & hospitality
Merchant Cash Advances
Receive a lump sum today and repay it as a small percentage of your daily card and bank receipts.
Equipment Financing
Finance or lease machinery, vehicles, and technology with the equipment itself as collateral.
Working Capital Loans
Cover payroll, inventory, and day-to-day expenses with flexible short-term capital.
Franchise Financing
Fund franchise fees, build-out, equipment, and working capital for new or existing units.
Restaurants & Hospitality financing: frequently asked questions
Can a restaurant get funding with bad credit?
Often yes. Revenue-based products such as merchant cash advances weigh daily card and deposit volume far more than FICO, with approvals reported down into the 500s.
Is a merchant cash advance a good idea?
It is the fastest option and the most expensive. We will always show you a term loan or line of credit alongside it so you can compare true cost before choosing.
Can I finance a restaurant build-out?
Yes — usually as a package combining equipment financing for the hard assets with an SBA or working capital piece for leasehold improvements and opening costs.
Other industries we finance
Trucking & Transportation
Freight factoring, equipment financing, and working capital for carriers, owner-operators, and logistics companies.
Medical & Dental
Practice acquisition, build-out, equipment, and working capital for physicians, dentists, and specialty clinics.
Construction & Contractors
Working capital, equipment, and receivable financing for general contractors, subs, and specialty trades.
Ready to explore restaurants & hospitality financing?
A 15-minute conversation is all it takes to know which lenders fit your business. No obligation.