Business Loans for Restaurant & Food Service
Restaurants and food service businesses need flexible capital for equipment, renovations, inventory, and expansion. Our revenue-based loans repay as a percentage of daily sales, aligning with your cash flow.
Funding Range
Funding Speed
FICO (MCA)
Restaurant & Food Service Funding Challenges
- High upfront equipment costs
- Seasonal revenue fluctuations
- Thin profit margins
- Rapid expansion needs
How Restaurant & Food Service Businesses Use Funding
- Kitchen equipment and upgrades
- Restaurant buildout and renovation
- Inventory and food supplies
- New location openings
Revenue-Based Lending for Restaurant & Food Service
Unlike traditional bank loans with rigid monthly payments, our revenue-based business loans align repayment with your actual business performance. When revenue is strong, you pay more. During slower periods, payments automatically decrease. This flexibility is designed specifically for restaurant & food service businesses that experience variable cash flow.
No Fixed Payments
Repay as % of revenue
All Industries
We fund every sector
Fast Funding
Same-day to 3 days
Loan Options for Restaurant & Food Service Businesses
Small Business Loans
No prepayment penalty. Refinance up to 2 existing loans. FICO 580+, 1–2 years in business required. Funding in 1–3 days.*
$10K – $10M | 1–3 day funding
Business Line of Credit
Revolving credit — pay only for what you use. Secured up to $100M, unsecured up to $750K. FICO 600–650+, 1 year in business. Same-day funding available.*
$10K – $5M | Revolving
Equipment Financing
100% financing available for fleets, manufacturing, and trade equipment. FICO 550+, 1 year in business. Rates from 6–7%.*
$10K – $5M | Up to 5 years
SBA Loans (7(a), 504)
Government-backed with rates at Prime + 1–2.75%. FICO 660+, 2 years in business required. Funding in 4–10 weeks.†
$50K – $5M | Up to 25 years
Merchant Cash Advances / Business Advance
No minimum FICO required. Repaid via sales with early payoff discounts. $500K annual sales or $40K monthly deposits. Same-day funding available.*
$10K – $10M | Same-day funding
Commercial Real Estate Loans
Finance purchase, renovation, or construction of commercial properties. FICO 620+ required. Long-term stability for your operations.‡
$100K – $5M | Up to 25 years
Restaurant & Food Service Business Loan FAQ
Can new restaurants get funding?
Restaurants with at least 1 year in business and $500K in annual sales or $40K in monthly deposits qualify for merchant cash advances with same-day funding. Startup financing is also available with flexible terms.
How does revenue-based repayment work for restaurants?
Repayment is tied to your daily credit card sales. When business is slow, you pay less. When it's busy, you pay more. This eliminates the stress of fixed monthly payments during slow seasons.
Does Manu provide revenue-based loans to all industries?
Yes. We provide revenue-based business loans to all industries including restaurant & food service, manufacturing, construction, healthcare, retail, technology, and more. Our network of 75+ lenders serves every business sector with funding from $10K to $10M+.
Business Loans by Industry
We provide revenue-based business loans to all industries.
Business Loans by State
Ready to Fund Your Restaurant & Food Service Business?
Pre-qualify in minutes with no impact to your credit score. Revenue-based loans available for all restaurant & food service businesses.
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