SBA Loan for Restaurants – Get the Funding You Need to Succeed

Fast, Affordable SBA Loans for Restaurants

Starting or expanding a restaurant? Need working capital or new equipment? Platinum Island Funding specializes in SBA loans for restaurants, offering flexible financing solutions designed to help food entrepreneurs like you succeed. Whether you’re launching a new restaurant with an SBA loan or looking to expand, we make the loan process simple, fast, and stress-free.

Why Choose an SBA Loan for Your Restaurant?

Running a restaurant comes with unique financial challenges—inventory costs, payroll, renovations, and marketing expenses all add up. An SBA loan for restaurant businesses offers:

Low Interest Rates

Much lower than traditional business loans market.

Long Repayment Terms

Up to 25 years for real estate and 10 years for equipment

Higher Approval Odds

Backed by the government, making it easier to qualify

Low Down Payments

Keep more cash on hand for daily operations

At Platinum Island Funding, we work with top SBA-approved lenders to secure the best financing options for restaurant owners like you.

Who Can Qualify for an SBA Loan for a Restaurant?

If you’re a restaurant owner, food truck operator, franchisee, or startup entrepreneur, you may qualify for an SBA 7(a) loan for restaurant financing. Here’s what lenders typically look for:
  • A credit score of 680+ (lower scores may still qualify with strong financials)
  • A solid business plan with projected revenue and expenses
  • Proof of restaurant industry experience (not always required but helpful)
  • Ability to provide a small down payment (as low as 10%)
Not sure if you qualify? Don’t worry—we’ll guide you through the process and explore your best financing options.

How You Can Use an SBA Loan for Your Restaurant

An SBA loan for restaurant businesses isn’t just about getting funds—it’s about using them strategically to grow and sustain your restaurant. Our financing can help you:

Open a New Location

Secure the perfect space for your restaurant’s next chapter

Upgrade Equipment

Invest in commercial ovens, refrigerators, and more

Cover Payroll & Operating Costs

Keep your restaurant running smoothly

Renovate & Expand

Create a modern, inviting dining space

Purchase Inventory & Supplies

Ensure you’re always stocked with fresh ingredients

Types of SBA Loans for Restaurants

We offer multiple small business loan for restaurant programs tailored for restaurant owners:

SBA 7(a) Loan for Restaurants

The most popular and flexible option, great for working capital, expansion, equipment, and more. Loan amounts up to $5 million.

SBA 504 Loan

Perfect for purchasing real estate, renovations, or large equipment investments. Loan amounts up to $5.5 million.

SBA Microloan

Need a smaller loan to get started? SBA Microloans provide up to $50,000 to cover startup costs, supplies, and more.

Why Choose Platinum Island Funding?

At Platinum Island Funding, we specialize in helping restaurant owners secure SBA loans for new restaurants quickly and hassle-free. When you work with us, you get:

  • A dedicated loan expert guiding you through the entire process
  • Fast approvals so you can get funding in as little as 30 days
  • Access to multiple lenders to find the best rates and terms
  • No hidden fees or upfront costs

Get Started Today – Apply for an SBA Loan for Your Restaurant

The right financing can take your restaurant to the next level. Whether you’re opening a new restaurant, expanding an existing one, or just need extra working capital, we’re here to help.
  • Prequalify in Minutes – No Obligation!
  • Talk to a Restaurant Loan Specialist Today
  • Call +1 (877) 548-1008 or Fill Out Our Quick Form Below to Get Started!
Apply Now
Applying Will Not Affect Your Credit Score