Specialist

Business Loan For Restaurant

How much do you want to borrow?

 

Business loan for restaurant

Clifton private finance

We specialise in sourcing business loans 

 
 
As a specialist finance broker, we provide high-quality business loan solutions for restaurant business owners.
  • Flexible finance solutions for restaurants
  • Business loans from £25,000 to £25 Million
  • Merchant Cash Advances - A business funding option that can be repaid using a percentage of restaurant card payment sales (minimum turnover of £5,000+ card transactions per month)
  • Finance for working capital, improving technology, restaurant acquisition, refurbishment, restaurant equipment, merchant cash advances
  • Minimum trading history of 6 months
  • Fast track application and funds, depending on your requirements, can be made available within 48 hours

We pride ourselves on providing excellent service responsive to your needs.
Call us on 0203 880 8890 to discuss your requirements.
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Business Loans Service

Business loan for restaurant

Why choose us? 

Our business loan service provides:   

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Types of Business Loans We Can Source   

Business loans for:   

Next Steps 

Clifton Private Finance is a specialist finance broker who can clearly understand your options. We can assess your circumstances and arrange a finance solution tailored to your needs.   

If you need a business loan, call us on 0203 880 8890 or complete our contact form above.   

The restaurant industry is growing quickly, but restaurants can be expensive to run. Many restaurant owners need extra funding to cover their monthly expenses. This includes buying new kitchen equipment and paying staff wages.

Because of this, it can be helpful to get a good idea of your funding options. Used sustainably, a business loan could help you scale your restaurant business and promote long-term growth.

Merchant Cash Advances

Businesses relying heavily on card transactions increasingly turn to Merchant Cash Advances, which offers a flexible funding solution. Advances enable businesses to borrow based on monthly credit and debit card sales. This amount can be up to 150% or more.

The loan is repaid through a percentage of the business's card transactions. This percentage usually ranges from 10% to 18% of each sale.

Because no collateral is required, Merchant Cash Advances are particularly appealing to businesses that experience seasonal fluctuations or irregular sales figures.

Before agreeing to an advance, the lender and the business agree upon the repayment percentage. With these features, Merchant Cash Advance loans provide a convenient funding option for businesses requiring fast capital access.

Traditional Lenders    

If you own a restaurant, you may come to a point where you need a short-term restaurant loan. Securing a business loan has become more complex in recent years as many mainstream lenders now have stricter criteria.  

Before taking out a small business loan with a traditional lender, you must provide sufficient documentation. This documentation is needed in your business loan application.

Mainstream lenders typically require one year of tax returns, a business plan, and proof of asset ownership for collateral.

They also want to see your business's future forecast and profit and loss accounts. Lenders will also usually require a credit check to understand your credit score.

Due to all the paperwork, applications with traditional lenders can take up to a few weeks or even months. This can be a stumbling block for business owners looking to ease cash flow quickly.  

Working with a specialist business finance broker can simplify the application process and ensure it goes smoothly. A specialist broker can offer the correct guidance and help you find the right deal for your circumstances. Use our business loan calculator to find out what finance options are available. 

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Private Lenders   

However, if you feel you need more flexibility, working with a private lender could be a suitable route. Private lenders can offer access to substantial funding more quickly and usually require less documentation than mainstream lenders. 

This more flexible process means you can access your finances within seven working days. Each case is assessed individually, so this will depend on your circumstances. 

Private lenders aren’t available on the high street. But we have an extensive network of private and mainstream lenders, allowing you the best financing options.

If you need a business loan, call us on 0203 880 8890 or complete our contact form above.

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If you have any questions about our services or want to start making things happen please contact us