Restaurant Loans

We know that the fast-paced restaurant industry requires a bank that knows the business. We believe that we understand restaurant financing better than most banks out there. We understand that it can be difficult for independent restaurant owners to find reasonable financing, that's where we come in. As a Preferred Lender with the Small Business Administration, we have the experience necessary close your loan quickly and painlessly.

We can offer restaurant financing for the following purposes: Purchase, Refinance (cash-out when appropriate), Renovation, and New Construction.

We can fund Restaurants from $250,000 to $15,000,000.

We have SBA and Conventional Restaurant Loan Programs available and as with most of our other programs, our restaurant loan programs are common sense full documentation programs.

Here is our general criteria for restaurant loans:

Strong restaurant management or ownership experience is required for operators.

We have a common sense, yet creative approach to underwriting restaurant loans. We know that net loss does not always mean negative cash flow. Many borrowers and brokers mistakenly assume that they cannot qualify for a full documentation restaurant loan and in so doing, they pass up on an opportunity for a better rate and term. If you're not sure if the restaurant business will qualify as a full documentation loan, submit a loan package and let one of our Business Development Officers tell you if your scenario has enough cash flow.

Our goal at Mission Oaks National Bank is to close your restaurant loan as quickly and painlessly as possible. We have closed many loans in 30 days or less and we have closed loans in as little as 9 business days.

No Broker package Required! We accept open submissions!

Please feel free to check out our frequently asked questions, give us a call at 1-800-825-0522 or email us at loans@missionoaksfunding.com if you have any questions.

Get a quote on your Restaurant Loan today!