Restaurant Funding

Restaurants employ over 15 million people in the United States, with projected annual sales topping $863 billion in 2019. Outshine your competition and feed your restaurant’s growth with up to $500,000 in funding from Greenbox Capital® in just 24 hours.

Direct Restaurant Funding When You Need It

Getting a restaurant loan from a traditional lender like a bank can be very difficult. Due to factors such as high overhead and operating costs, thin margins, and high competition, traditional lenders typically consider restaurants to be one of the riskiest ventures.

As an alternative lender, Greenbox Capital’s requirements for approval are lower than a traditional lender. That means we can approve more restaurant loans than traditional lenders, often in just one business day. We provide a number of different types of restaurant loans to help grow your business, with funding from as low as $3,000 up to $500,000.

Restaurant Funding Solutions

We fund all types of restaurant, including fast food, cafes and coffee shops, casual dining, fine dining, and more. Our friendly and knowledgeable Funding Advisors will work closely with you to determine which funding option is best for your goals, your restaurant’s history, and your cash flow.

Merchant Cash Advance

You’ll receive working capital now, and we’ll receive a percentage of your daily or weekly credit card sales until the terms of the advance have been met. Ideal for businesses with a high volume of credit card sales.

Merchant Cash Advance

Small Business Loan

Our business capital loans are typically between $20,000 and $60,000, but start as low as $3,000 and reach as high as $500,000 depending on the needs of your business. Ideal for businesses seeking short-term financing to grow.

Small Business Loan

Collateral Loan

A secured loan that uses commercial real estate to reduce the cost of the loan.  Ideal for businesses looking for longer-term funding options.

Collateral Loan

Business Line of Credit

Borrow as much or as little as you need, draw and repay as you go, and pay interest only on the portion of money you borrow. Ideal for businesses looking for flexible funding.

Business Line of Credit

How To Use Restaurant Funding

Restaurant funding can provide the working capital you need to meet the unique challenges of running a restaurant, such as:

  • High operating and food costs
  • Complexity of managing inventory
  • High employee and customer turnover
  • Fluctuations in real estate value and lease payments
  • High competition from other local eateries
  • High cost of repairing appliances and equipment
  • Changing customer preferences, such as increasing demand for home delivery, local sourcing, zero-waste cooking, and healthy options

Restaurant loans can also provide cash flow that you can use to improve or expand your restaurant. Use your funding to:

  • Upgrade technology to streamline your operations and offer new services like takeout, delivery, or catering
  • Replace old appliances and equipment with newer, energy efficient models
  • Remodel your space to create an inviting environment or an outdoor dining space
  • Develop a website capable of online or app ordering
  • Expand to a larger space or open a second location
  • Invest in staff training to provide the best possible customer service

How Restaurant Funding Works

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    Submit your 1-page application

    After you submit your application, a Funding Advisor will reach out to you within 1 hour (during regular business hours) to discuss your options.

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    Choose your funding

    Your Funding Advisor will work closely with you to determine which small business funding option will help you achieve your goals without compromising cash flow.

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    Get funded

    Once you and your Funding Advisor determine what funding option will work best for your business, your funding can be approved and deposited within 24 hours.

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    Repay your funding

    Repayment terms will depend on what kind of alternative restaurant loan you use. Terms are set in advance so you know what to expect and can plan accordingly.

Will You Qualify?

Approval for an alternative restaurant loan from Greenbox Capital isn’t based on your credit score alone. Instead, we focus on the overall health of your restaurant. Here are some factors we consider:

  • Business revenue
  • Cash flow
  • Vendor payment history
  • Years in business
  • Public records

Why Get Funded by Greenbox Capital?

Opportunities to expand can come and go faster than you can say “yes, chef”, but applying for funding from a traditional lender can take months with no guarantee of approval. With Greenbox Capital’s faster, streamlined application process, we can approve your alternative restaurant loan in a little as 24 hours. 

Our application requirements are lower than traditional lenders, but we always have your best interest at heart. We’ll never over-leverage your business by giving you more funding than you can manage, and our Funding Advisors will be beside you every step of the way to answer any questions you may have.

Restaurants Funding Q&A

Q: The competition is growing fierce in my area. Can I use a loan to market my restaurant?

A: Yes, marketing your restaurant is an ideal use of your alternative funding. Whether you are engaging in digital or traditional marketing, increasing your brand awareness and driving traffic to your restaurant is good for business growth.

Q: I want to add a deck to my restaurant to serve more customers and take advantage of the scenic view. What type of restaurant funding is best for this purpose?

A: A merchant cash advance is one of our popular funding options. We recommend you speak with one of our knowledgeable Funding Advisors—they will help you select the right solution for your business.