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Last updated on Feb 1, 2023
2 min read

Restaurant Loans

There are many loans available for restaurant properties. Find out which best meets your unique needs.

Better Financing Starts with More Options Start Your Application and Unlock the Power of Choice. Click Here to Get Quotes →$1.2M offered by a Bank at 6.0%$2M offered by an Agency at 5.6%$1M offered by a Credit Union at 5.1%Click Here to Get Quotes
In this article:
  1. Restaurant Loan Terms
  2. SBA Loans for Restaurants
  3. CMBS Loans for Restaurants  
  4. Get Your Free Restaurant Property Loan Quote Today
  5. Get Financing

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 is here 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 can arrange conduit loans, otherwise known as CMBS loans, for eligible projects. Our typical CMBS loans include:  

  • Loan Size: $2 million and up

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

  • Amortization: 30 years

  • Leverage: 75% maximum LTV allowance

  • DSCR: 1.25 minimum

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

Get Your Free Restaurant Property Loan Quote Today

Looking to get a fast, free quote? Pop your details in the form below. Our team will go to work at finding the best options available for you.

In this article:
  1. Restaurant Loan Terms
  2. SBA Loans for Restaurants
  3. CMBS Loans for Restaurants  
  4. Get Your Free Restaurant Property Loan Quote Today
  5. Get Financing

Getting commercial property financing should be easy.⁠ Now it is.

Click below for a free, no obligation quote and to learn more about your loan options.

Get financing →
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Commercial Real Estate Loans is a Janover company. Please visit some of our family of sites at: Multifamily Loans, Multifamily Today, Commercial Real Estate Loans, SBA7a Loans, CMBS Loans, Apartment Loans, HUD Loans, HUD 221d4 Loan, HUD 232 Loan, HUD 223f Loan, HUD 223a7 Loan, SBA Express Loans, SBA 504 Loans, and OpportunityZones Help.

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