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Funding for restaurants

Financing that keeps your kitchen running and your dining room full.

Restaurant owners manage more than service and menus. Equipment, staffing, inventory, and operating costs all play a role in keeping the business on track. IOU Financial offers restaurant business loans and restaurant financing that support the business side of your restaurant, with funding options built to fit how you operate.

What we offer

Funding that fits your restaurant business.

Whether you need ongoing support for operating expenses or one-time restaurant business financing for a larger investment, IOU Financial offers restaurant loans designed to support the financial needs of restaurant owners.

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Term loans

Flexible financing for long-term growth. Get up to $1,500,000 with repayment terms between 6 months and 2 years. Choose a payment schedule that fits your business’s cash flow and move quickly on expansion, upgrades, or staffing needs.

Business line of credit

On-demand access to working capital. Draw funds when you need them, repay, and reuse. Ideal for covering payroll, food and beverage inventory, marketing pushes, or seasonal menu rollouts without reapplying each time.

SBA bridge loan

Get the capital you need while your restaurant’s SBA loan is still pending. Use this short-term solution to keep projects moving, support staff, or manage tight cash flow. Repay once your SBA funds arrive.

Equipment financing

Finance essential restaurant equipment without straining cash flow. From ovens and refrigeration to prep stations and POS systems, spread costs over time with predictable payments that preserve your working capital.

Invoice factoring

Access the money you have already earned faster. Convert outstanding customer invoices, catering contracts, or wholesale orders into immediate working capital to keep your kitchen running smoothly and your cash flow steady.

Tenant improvement bridge loan

Cover build-out and renovation costs while you prepare to open or expand your space. A tenant improvement bridge loan helps fund construction, equipment installation, and upfront expenses before long-term financing or lease reimbursements are finalized.

Expansion capital

Fuel growth when your business is ready to take the next step. Expansion capital helps cover the costs of opening a new location, hiring staff, increasing capacity, or entering new markets. Access flexible funding designed to support growth while maintaining steady cash flow.
Smart ways to put your funds to work

Practical funding solutions for your restaurant business.

Whether you’re expanding your operation, upgrading equipment, or planning ahead for what’s next, IOU Financial gives you fast access to funding so you can put funds where they make the most sense for your restaurant.

Expansion

Open a new location, add seating, expand your kitchen, or take on new service models that support growth without disrupting your day-to-day operations.

Equipment

Use restaurant equipment financing to invest in ovens, refrigeration, prep equipment, or other upgrades that help your kitchen run efficiently and consistently.

Inventory

Stock up on food, beverages, and essential supplies so you’re prepared for busy periods without putting unnecessary pressure on your cash flow.

Marketing and advertising

Promote your restaurant through local advertising, digital campaigns, or special promotions that help attract new guests and keep regulars coming back.

Technology upgrades

Upgrade point-of-sale systems, online ordering tools, reservation platforms, and back-office technology to streamline service and operations.

Working capital

Cover everyday expenses, support payroll, manage operating costs, and keep your restaurant running smoothly as your business needs change.
Qualifications

Who qualifies for an IOU business term loan?

Getting funding should not feel out of reach. If you run a restaurant business with steady revenue and at least a year in operation, you could be a great fit.

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1 year in business or more

We support businesses that have established operations and understand their footprint and customer base.

$10,000 or more in monthly revenue

A clear picture of monthly income helps us structure a loan that fits your business comfortably.

A personal credit score of 630 or higher

We work with restaurant owners across a wide range of credit scores.

Get your funding, fast

Secure your restaurant funding in 3 simple steps.

Accessing capital shouldn’t be complicated. IOU Financial makes it easy for restaurant business owners to get the working capital they need—without slowing down operations. Our quick, guided process helps you move from application to approval in just a few days.

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Ready to accelerate your business?

Start your financing journey with a simple, transparent application process. We succeed when your business succeeds, which is why doing right by small business owners will always come first.

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