Restaurant Financing
Restaurants are a high-touch, high-turnover business, which makes lenders cautious and makes the right financing partner essential. At Commercial Capital Partners, we structure restaurant financing for purchases, build-outs, refinances, expansions, and equipment — for franchises and independents nationwide.
Whether you are buying a location, building out a new concept, or refinancing high-cost debt, we structure the transaction around your cash flow and goals.
Financing Options for Restaurants
SBA 7(a) Loans are the workhorse of restaurant financing, funding business acquisition, real estate, build-out, and working capital in a single loan.
SBA 504 Loans offer long-term, fixed-rate financing when the restaurant real estate is involved.
Equipment Financing funds kitchens, refrigeration, and FF&E, standalone or as part of a larger loan.
Business Acquisition Loans finance the purchase of an existing restaurant or franchise location.
Bridge & Working Capital provide short-term capital for build-out, expansion, and day-to-day operations.
What We Finance
We finance restaurants across the country — franchises and independents — for acquisition, build-out, refinance, expansion, and equipment, through SBA, conventional, and equipment lenders.
Types of Restaurants We Finance
- Full-service restaurants
- Quick-service and fast-casual
- Franchise locations
- Bars and grills
- Cafes and bakeries
- Owner-occupied restaurant real estate
What Lenders Focus On
Lenders look closely at cash flow, owner experience, franchise strength, and the lease. A restaurant turned down as too risky can be approved when the deal is structured around the operator’s experience and a realistic cash-flow story.
Refinancing Into Stronger Terms
We recently refinanced a Riverside restaurant from a seller-carry note into an SBA 7(a) loan at 90% LTV — a stronger long-term position with room to grow. The right structure turns a decline into an approval.
Serving Southern California, the Inland Empire & Nationwide
Headquartered in Rancho Cucamonga, we serve restaurant owners across the Inland Empire and Southern California, and we finance restaurants nationwide.
Recent Restaurants Financing
Our team regularly closes restaurant acquisitions, refinances, and equipment deals across a range of concepts. When a deal needs creative structure and the right lender, that is our lane.
Start Your Restaurants Financing Today
Tell us about your deal and we’ll tell you your options — no obligation. Pre-qualify in about 60 seconds or call our team directly.
