Industry Lending
Restaurant Business Loans
Capital for restaurant operators — from single-unit to multi-state franchise platforms.
$425K
Avg ticket size financed
26 days
Median close time
68%
Repeat operator rate
How we underwrite
Restaurants live and die by working capital rhythm: payroll Friday, food cost Monday, sales weighted to the weekend. Inflection Financing underwrites restaurant operators against trailing 12-month revenue and average ticket trends rather than a single bad month — which is how strong restaurants get caught in the credit machinery of generic banks. Whether it's a single-unit concept opening location two, a franchisee building a multi-unit platform, or an established group financing FF&E for a remodel, we have a structure for it.
Typical loan sizes
$75,000 to $3,500,000
Common uses
- →New location build-out and FF&E
- →Franchise fees and initial inventory
- →Equipment replacement (walk-ins, hood systems, POS)
- →Working capital for payroll and food cost cycles
- →Refinancing high-cost MCAs
Regulatory & underwriting notes
Restaurant SBA 7(a) loans require franchise disclosure documents (FDD) for franchise concepts and a liquor license review where applicable. Inflection Financing maintains in-house FDD review to avoid external delays.
Recommended products for restaurants
SBA
SBA 7(a) Loans
The flagship SBA program for established U.S. businesses — up to $5M.
Equipment
Equipment Financing
Asset-backed financing for machinery, vehicles, and capital equipment — up to 100% LTV.
Working Capital
Working Capital
Revolving and short-term capital for inventory, payroll, and operational rhythm.
Term
Term Loans
Strategic capital that scales with your P&L — not your daily sales volume.
Other industries
Financing for restaurants.
Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.