Restaurant Commercial Property Loans 


Whether you're with family, friends, or all by yourself, there's nothing like sitting down and being served a hot meal-- and America tends to agree. In 2017, overall restaurant sales were estimated at $799 billion, while the restaurant industry employed a staggering 15 million people, around 10% of the U.S. workforce. Plus, projections suggest that around 1.6 million new restaurant jobs will be created in the next decade. This means that the industry has a lot of room for growth. So, if you're looking to open or expand a restaurant, Commercial Real Estate Loans, Inc. is excited to help. We provide financing for both franchise and non-franchise restaurants, but do not provide loans for: 

  • Startups without proven revenue

  • Restaurants where most of the revenue comes from alcohol

  • Restaurants with adult entertainment

Restaurant Loan Terms

In general, our restaurant loan terms include: 

  • Loan Size: $500,000+

  • Loan Purpose: Loan can be used for property acquisition or refinancing, but cannot be used for business only-financing

  • Loan Term: 3, 5, 7 and 10-year fixed-rate terms

  • Amortization: 15, 20, 25 and 30-year options

  • Leverage: 75% LTV allowance (subordinate debt permitted)

  • DSCR: 1.40 minimum DSCR

  • Credit Score Requirement: 660 minimum

SBA Loans for Restaurants

While privately-insured loans are common in the restaurant industry, the SBA 7a and SBA 504 loan programs are also incredibly effective ways to finance your restaurant business. With SBA loans, restaurant owners can purchase property, buy equipment and get working capital for their business. While SBA loans have a lot of benefits, they do have stricter requirements than most other kinds of financing, including increased credit score requirements. 

CMBS Loans for Restaurants  

For restaurant owners seeking a larger amount of commercial property financing, Commercial Real Estate Loans, Inc. can arrange conduit loans, otherwise known as CMBS loans, for eligible projects. Our typical CMBS loans include:  

  • Loan Size: $2,000,000 and up

  • Loan Term: 5, 7, or 10-year fixed-rate loans

  • Interest Rates: 4.9% (for 10-year fixed)

  • Amortization: 30 years

  • Leverage: 75% maximum LTV allowance

  • DSCR: 1.25 minimum

  • Recourse: Non-recourse (with standard carve-outs)

Get a Free Restaurant Property Loan Quote Today

For restaurant property loans from just $1 million and up, click the button below and fill out a short, secure form for a fast, easy, and free commercial loan quote from a commercial mortgage banker. You may also email us any time at