Business Loans for Restaurants

A merchant cash advance offers a fast and flexible way to fund your restaurant without the burden of fixed monthly repayments. It’s designed to work with your customer card sales, for examkpple, each time a customer pays their bill by debit or credit card, a small percentage of that sale automatically goes toward repaying the advance.

This makes it an ideal restaurant funding solution if your income fluctuates throughout the year. During quieter months, your repayments naturally decrease, helping you manage cash flow with ease. When business picks up, you repay a little more — it’s that simple.

With quick approval times, flexible repayments, and no fixed terms, a merchant cash advance can be one of the most convenient and stress-free ways to finance your restaurant business.

We provide restaurant funding for all kinds of businesses in the hospitality industry across the UK and Ireland. No matter what type of dining establishment you run — whether a fast-food outlet, takeaway, fine dining venue, bistro, or brasserie, we can help your startup or small business access finance quickly and without hassle.

We provide business finance for a range of restaurants, including:

• Fast Food Restaurants
• Fine Dining Restaurants
• Ethnic Restaurants (Chinese, Indian, English, American, Japanese, Italian, Greek and French, plus many more.)
• Casual Dining Restaurants
• Vegetarian and Vegan Restaurants
• Steakhouses
• Pizzerias
• Cafes
• Seafood Restaurants
• Noodle Houses
• American Diners
• Sushi Bars
• Dessert Shops
• Bakeries and Pastry Shops

As a restaurant owner with limited time to spare, this alternative business loan solution is ideal for you. With no lengthy paperwork or business plans to submit, the process is fast and stress-free, with funding in as little as 24 hours^*.

So if you are facing an emergency cash flow issue, we can help support you and get you back on track within hours, not weeks.

Have you already tried to apply for restaurant loans? Bad credit can put off some banks and other lenders. This product, however, is accessible and affordable, even if you have a poor credit rating.

There are no limits. Restaurant loans can be used for any purpose, from upgrading kitchen equipment or refurbishment to launching a brand new marketing campaign to draw new customers in. There are plenty of things to invest in to improve your restaurant that a business loan could help with.

Refurbishment and development of your restaurant

Keeping your restaurant in ‘tip-top’ condition, clean and contemporary will help bring in fantastic customer dining reviews. A customer wants to experience great food in a great restaurant environment. They will remember how good the food and the atmosphere was.

Expanding your dining area

Looking to create more table space in your restaurant? By expanding and developing your space, you could add more revenue to your yearly bottom line. An exterior extension, another upstairs floor, or an outdoor eating area - maybe even new premises altogether.

Funding for restaurant kitchens

By modernizing and upgrading your commercial kitchen equipment, you can become more efficient, therefore saving money and making more money in the long term. Investing in your kitchen appliances and kitchen layout with a business cash advance can help your foodservice business become even more productive.

Investing in staff

Employing a great head chef is key to any restaurant business. Having professional staff within your restaurant team makes all the difference to a customer's dining experience. You can use a restaurant loan to build a great hospitality team.

Marketing your restaurant

Having a great website with online booking is critical for modern restaurants and takeaways. There is so much competition online, and you need your restaurant business to be at the top of Google search as well as having easy functionality for online bookings and ordering. Employing a social media agency or handling marketing internally will require funding. Our funding can enable you to employ great professional photography, social media marketing via Facebook, Instagram and Twitter. Help with funding to print superb menus and advertise in magazines and local press.

Funding for new or upgrading restaurant booking systems

Use the restaurant business finance to invest in (POS) point of sale systems, booking and ordering systems. Restaurant Merchant payment terminals and other IT software.

Business Loans for a takeaway

The home delivery and takeaway market is booming, so why not maximize the potential of your restaurant business to cater to the takeaway food market? Get funding for vehicles, booking systems and extra staff.

Yes, if you're a restaurateur looking to expand your portfolio, you can use a business loan to help buy or start a restaurant. However, we can not support businesses that are not trading as the funding is raised against card sales.

No, a business plan is not required to make a decision. This saves you time and ultimately speeds up the lending process.

Yes, you can! If your restaurant or takeaway receives food orders via apps like Just Eat, Uber Eats or Deliveroo, you can get a business loan advance based on these customer card sales.

Absolutely. If you're running a mobile food truck or catering van that accepts customer card payments, we can help fund your business. Whether your mobile food truck venture specialises in serving morning breakfast favourites, gourmet burgers, or delectable wood-fired pizzas, our business financing solution provides fast access to capital when required for any business purpose.

To see how much restaurant finance you could be eligible for, simply complete our online application form with a few basic details such as your business name, card sales turnover and contact details, and we’ll do the rest! You will then receive your free no-obligation quotes.

So, if you are looking for alternative business loans for restaurants, look no further. Apply today to ensure success and growth in a highly competitive market.