Restaurant Loans

See what you can cook up with restaurant business financing

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Terms & Conditions

General Acceptance

Any applications submitted electronically shall have the same force and effect as if the application bore an inked original signature(s). The above information, together with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining credit and is warranted to be true, correct, and complete.


US Patriot Act:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and business that seeks a business loan. What this means for you: When you apply for a loan, we will ask for your business name, address, and Tax Identification Number. We will also ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.


For Loan/Merchant Services:

The Merchant and Owner(s)/Officer(s) identified in the application (individually, an “Applicant”) each represents, acknowledges and agrees that (1) all information and documents provided to National Funding, Inc. (“NF”) including credit card processor statements are true, accurate and complete, (2) Applicant will immediately notify NF of any change in such information or financial condition, (3) Applicant authorizes NF to disclose all information and documents that NF may obtain including credit reports to other persons or entities (collectively, “Assignees”) that may be involved with or acquire commercial loans having daily repayment features and/or Merchant Cash Advance transactions, including without limitation the application therefor (collectively, “Transactions”) and each Assignee is authorized to use such information and documents, and share such information and documents with other Assignees, in connection with potential Transactions, (4) each Assignee will rely upon the accuracy and completeness of such information and documents, (5) NF, Assignees, and each of their representatives, successors, assigns and designees (collectively, “Recipients”) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary, (6) Applicant waives and releases any claims against Recipients and any information-providers arising from any act or omission relating to the requesting, receiving or release of information, and (7) each Owner/Officer represents that he or she is authorized to sign this form on behalf of Merchant.(8) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (9) this request is for business and not for consumer purposes.


For Equipment Services:

I hereby certify: (1) the information provided is true and correct, (2) you are hereby authorized to investigate all bank, credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter(s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purposes.


Text Messaging:

By providing my wireless phone number to National Funding, Inc., I agree and acknowledge that National Funding, Inc. may send text and multimedia messages to my wireless phone number for any purpose. I agree that these text or multimedia messages may be regarding the products and/or services that I have previously purchased and products and/or services that National Funding, Inc. may market to me. I acknowledge that this consent may be removed at my request but that until such consent is revoked, I may receive text or multimedia messages from National Funding, Inc to my wireless phone number.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into the binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If for any reason your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please write to National Funding Inc., 9820 Towne Centre Drive, San Diego, California 92121. Funding amount and credit approval is subject to a full credit profile review.

Types of Restaurant Loans

Small Business Loans

Small Business Loans

Get a loan for kitchen supplies
employee payroll
or marketing efforts.

$5,000 to $500,000

Learn More

Equipment Financing and Leasing

Equipment Financing
and Leasing

Purchase or lease equipment
for your restaurant business.

Up to $150,000

Learn More

How Restaurant Business Loans Can Help You

Running a restaurant is one of the most difficult business ventures. Having a passion for providing great food,
drinks and atmosphere for your customers is what makes it worth it. The competitive nature of the restaurant industry makes it difficult for many
restaurant owners to see consistent cash flow. That’s why it’s important to establish a good relationship with a reliable lender who can provide restaurant funding when you need it most.

Partner with New Vendors

  • Restaurant loans provide a financial opportunity to partner with new vendors and expand your inventory
  • Cash from a loan allows you to expand beyond the basics: try adding a new craft beer on tap or source fresh local ingredients from vendors at the market

Upgrade to New Restaurant Equipment

  • Ovens, fryers and dishwashers are expensive, long-term investments that can be financed with restaurant loans
  • Restaurant equipment leasing offers an easier way to get top-quality commercial kitchen equipment at a price you can afford

Stock Up on Inventory

  • Get ready for a holiday rush by buying your ingredients, cleaning supplies and other inventory well ahead of time
  • Broken glasses and plates are a part of the restaurant business, but a restaurant business loan allows you to purchase plenty of backups

Keep Your Restaurant Well-Staffed

  • Busy periods require additional staff to keep your restaurant running smoothly and loan funds can help you cover payroll when cash is tight
  • Hire the employees you need and give them proper training with restaurant business loans

How to Apply

Restaurant business finanacing is the easiest way to get cash to cover your business expenses. Applying for a loan through National Funding
is easy. Simply fill out our short online application. A Loan Specialist will contact you to learn more about your business and see what restaurant loans are available for you.

How to Apply

How to Apply

"As a small business, it's difficult to find "traditional" ways to finance your growth. National Funding has been a strategic partner of Pop's Kettle Corn and has continued to help us transition from a 2 person business to now a family run business that is supporting 10+ employees. As we continue to grow the partnership with National Funding will continue to grow. Thanks again for the support and we at Pop's continue to look forward to our growth into the future!"
– Pop's Kettle Corn

Why National Funding?

Restaurants and their owners have distinct, diverse funding needs from other types of businesses. As a restaurant owner, you need a lender who understands the unique challenges faced in the food service industry. Most restaurants benefit from a financing program that's customized to fit the needs of an individual business. Unfortunately, it's common for restaurant owners to be turned down for a one-size-fits-all loan that just doesn't work with the restaurant business model. Instead of using years of financial documents to make a decision, National Funding gives restaurant owners a chance to speak with a loan expert. You'll be able to explain your need for restaurant business financing. We'll then help you find tailored loan options that can be customized to meet the cash flow and payment needs of you restaurant.

We Know Restaurant Businesses

Experience supporting restaurant business owners

Trusted by Businesses Like Yours

Over $3 billion in funding to more than 50,000 businesses nationwide

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Loan Specialists Who Care

Experienced Loan Specialists help you make the right decision

Worry-Free Lending

No collateral requirements, plus simple, automatic payments

Restaurant Business Resources

As you know, running the financial side of a restaurant is one of the most difficult parts of owning a dining establishment.
Between busy holiday rushes, slow period and high employee turnover, it's no wonder many restaurant owners
face inconsistent cash flow. We've provided some helpful resources to make managing your business finances a little easier.

Upgrading Bar or Restaurant Equipment to Stay Competitive

Upgrading Bar or Restaurant Equipment to Stay Competitive

Restaurants are almost never alone – your restaurant probably has several other dining establishments nearby. This healthy competition can be great to increase your potential foot traffic. It might also leave you wondering how to convince customers to come into your establishment rather than the one across the street. One way to stay competitive is to upgrade your kitchen and dining equipment. A new oven may help you cook food more evenly, while a new online booking platform can help get more guests in the door. Read more about financing restaurant equipment upgrades.

Read More

3 Ways to Expand with Restaurant Equipment Leasing

3 Ways to Expand with Restaurant Equipment Leasing

To be successful, your restaurant needs to continuously bring in new customers while continuing to offer the dishes and service that brings back repeat diners. Getting customers to come back night after night can be difficult for a restaurant. You have to keep coming up with new ideas while offering your old favorites. Upgrading your equipment can help you serve customers more efficiently and give each customer a positive experience, but these upgrades can be costly. Luckily, you can lease new restaurant equipment to offer new experiences and menu items at an affordable price. Use these three ideas to make the most of restaurant business financing and equipment leasing.

Read More

How to Choose a Prime Location for Your Restaurant Business

How to Choose a Prime Location for Your Restaurant Business

The right location can make or break your restaurant. Ideally, you want to find a spot that’s visible and has a lot of foot traffic. However, you don’t want to open up your restaurant in the most expensive part of town if you know you can’t afford the rent each month. If you’re looking to expand to a second restaurant or move to a new location, consider these tips.

Read More

Ratings & Reviews

With 20 years of experience, we've helped numerous restaurant owners like you get the financing they need.


Legal Disclosures

True to our mission, we encourage you to read the following policies and learn how they affect you as a client.


(1) 24 hours:

Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.


(2) Early payoff discounts:

National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process.  Equipment Finance customers who pay off the total remaining balance early,  at any point during the contract, will automatically receive a 6% discount off the total remaining balance.   Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance.  We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.


(3) Automatic payments:

Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.


(4) Wide variety of payment options:

  • Equipment Financing: payments are remitted monthly with terms of 2-5 years
  • Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months


(5) Potential Tax Savings:

The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.


(6) Guaranteed lowest payment:

Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.

In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.

The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.

The Guaranteed Lowest Payment may be discontinued at any time without notice.

To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.


(7) Terms and Conditions apply:

This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.