Restaurant Financing

Financing for Restaurants

When it comes to funding restaurants, lenders tend to be cautious with loans for one main reason. Risk. Even with all the culinary stars aligning, restaurants, unfortunately, have a higher probability of going out of business than other retail stores. One second you’re hot, and the next second, not. For this reason, cash flow is essential for restaurateurs to weather these types of storms either by renovating or expanding. Modernizing kitchen equipment is also crucial when it comes to elevating the dining experience. Add in payroll for waiters, a host and chefs, the lifeblood of your establishment, and you can start to see why funding is a necessity.

Top 5 benefits

  • Maintain safety standards
  • Modernizing equipment
  • Paying food suppliers
  • Covering payroll
  • Keeping up with renovation costs

Restaurant Financing Quick Facts

Loan amounts of $5K-$500K
Repayment terms up to 36 months
Approval in as little as 24 hours

Basic points to consider when applying for a restaurant loan

So what are lenders looking for when it comes to your restaurant? Location is essential for foot traffic sustainability. Reputation is critical to keep them coming back. Do you have a five-star chef? Keep all of these factors in mind. Then once you’re considered for a loan, focus on these lending parameters.

  1. Interest rates: Try to find the lowest APR regardless of your credit history.
  2. Approval: How fast can you get your capital? 1 to 2 days?
  3. Flexibility: Understand the guidelines when it comes to repayment.

Success Stories

Big wins for our construction clients

Within a few days of working closely with Upscale Capital, the funds were transferred.

Happy Cleaners - Denver, CO

Each question or concern I had was always answered in a timely manner. The company has a high level of professionalism.

M&T Construction - Knoxville, TN

I now have my preferred source of capital and I can feel relieved that I have a partner always alongside me.

Jennifer Flowers and Events, SpringField, Ohio

Trusted by businesses like yours

I’m thanking Thomas! He has work with me over the years helping me grow my candy store. Just got my second location. Amazing customer service.


We had a great experience with Michael. Quick responses, and available at anytime. He worked after hours to get me what I needed.


Upscale stepped in and gave me exactly what I needed. My business is thriving now!


The easiest and most professional service I received when looking for capital.


How It Works

Simple. Fast. Funded.


Fill Out Our Quick & Easy Application

The entire process takes just 2 minutes with no fee.


Receive Approval

92% of the applications submitted are approved within 24 hours.


You’re Funded

Funds are deposited to your bank account within hours of approval.

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Get funds in as fast as 24 hours