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Restaurant Financing
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Receive up to $1,000,000 in fundingContact our team if you need $1,000,000+ funding
Contact our team if you need $1,000,000+ funding
Capixa truly understands the fast-paced nature of the restaurant industry. Whether you’re opening, renovating, or expanding your business, we offer tailored financing options to support your next big step. Use your funds to:
- Upgrade essential equipment
- Pay your staff
- Boost your marketing efforts
- Navigate seasonal slow periods
- Purchase supplies and materials
Types of Restaurant Business Financing
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SBA Loans for Restaurants
SBA loans, backed by the Small Business Administration, offer favorable terms and lower interest rates. These loans are ideal for restaurants seeking long-term financing solutions for substantial investments.
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Equipment Financing
Equipment financing helps you purchase or lease essential kitchen and restaurant equipment.
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Line of Credit
A line of credit provides flexible, revolving access to funds, allowing you to withdraw money as needed up to a pre-approved limit.
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Revenue-Based Financing
Revenue-based financing allows you to repay the amount you owe through a percentage of your daily sales. This flexible repayment structure aligns with your restaurant’s revenue, easing the burden during slower periods.
Perfect Funding Fit
Frequently Asked Questions about Restaurant Business Loans
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What Is a Restaurant Loan?
A restaurant business loan is a type of financing specifically designed to meet the unique needs of the food service industry.
These loans provide restaurateurs with the capital needed to start, maintain, or expand their operations.
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Is it hard to get financing for a restaurant?
Securing financing for a restaurant can be challenging due to the industry’s high-risk nature. Lenders typically look for a strong business plan, good credit history, and proof of stable revenue. However, specialized lenders like Capixa understand these challenges and offer tailored solutions to help restaurateurs succeed.
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Can I get funding to buy a restaurant?
Yes, you can obtain funding to purchase an existing restaurant. These funds often structured based on the restaurant’s current financial performance, your creditworthiness, and the projected profitability of the business under your ownership.
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What credit score do you need for restaurant funding?
The required credit score for a restaurant funding varies by lender, but generally, a score of 650 or higher is preferred. Some lenders may offer financing options to those with lower scores, especially if other aspects of the application are strong.
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How hard is it to finance a restaurant?
Financing a restaurant can be challenging due to the perceived risks associated with the industry. However, with a solid business plan, a good credit score, and thorough preparation, it is possible to secure the necessary funding. Specialized lenders like Capixa can provide valuable support and guidance throughout the process.
Perfect Funding Fit