Restaurant Commercial Loans and Financing

As of March 1, 2022, CREFCOA has temporarily suspended its restaurant loan program.

Our proprietary Commercial Real Estate Lending Platform (CRELP) standardizes and simplifies the commercial real estate loan process allowing us to quickly compare different loan programs and platforms for restaurants across our lending network providing you with restaurant commercial loans that meet your individual needs and objectives with the most competitive rate and terms.

We provide commercial loans for the refinance or acquisition of restaurants where the mortgage is secured by both the business and commercial real estate. Restaurant financing is provided for stabilized businesses with the ability to verify and document income. Revenue should be stable or trending up. Restaurant commercial loans are offered for both franchise and non-franchise restaurants.

Request a quote for your restaurant or visit the commercial mortgage loan center to learn more about our commercial mortgage loans for restaurants.

• Minimum restaurant loan is $1,000,000
• Loan collateralized by commercial real estate - no business only financing
• Acquisition or refinance of stabilized restaurants
• Bank, SBA, and conventional financing available
• 3, 5, 7, 10 year fixed rates
• 15, 20, 25, & 30 year amortizations
• Flexible prepay options
• 55%-85% LTV
• Minimum 660 Credit Score
• 3 years of stabilized operating history
• Low Minimum 1.40 DSCR

Financing is not provided for startups, restaurants where the majority of revenue is derived from liquor and restaurants with adult entertainment.

Restaurant commercial property loans require strong sponsorship with a proven track record in owning and managing restaurant and/or related businesses.