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Restaurant Finance

Restaurant Finance

In the restaurant industry, passion is the main ingredient, but capital is the fuel. At Equity Trust Banking Corporation, our Restaurant Finance Group understands the unique pressures of the food service business—from thin margins and high labor costs to the need for constant reinvention. We serve everyone from single-unit independent operators to large multi-unit franchisees and national chains.

Whether you are looking to open a new location, renovate an existing one, or upgrade your kitchen equipment, we offer a menu of financial products designed to help you serve your customers better and grow your bottom line.

Our Services

Financial recipes for success:

  • Franchise Financing: Capital for acquisition, new store development, and remodeling mandates.
  • Equipment Leasing: Flexible terms for ovens, refrigeration, POS systems, and furniture.
  • Working Capital: Lines of credit to smooth out seasonality and manage inventory and payroll.
  • Real Estate Loans: Financing for the purchase or refinance of restaurant properties.
  • Cash Management: Secure cash handling services, smart safes, and card processing solutions.

Why Choose Equity Trust Banking Corporation?

We bring more to the table than just money.

  • Industry Veterans: Our bankers have decades of experience in restaurant finance.
  • Fast Approvals: We know that in this business, timing is everything.
  • Brand Knowledge: We understand the specific requirements of major restaurant concepts.

Frequently Asked Questions

  • Do you finance startups?

    Typically, we look for operators with a proven track record. However, we do offer SBA loans that can be an excellent fit for new restaurant ventures.

  • Can you finance a remodel?

    Yes, we specialize in financing for mandatory brand refreshes and voluntary remodels to keep your location competitive.

  • What is your maximum loan amount?

    Loan amounts vary based on the project and creditworthiness, but we have the capacity to handle everything from single-unit upgrades to large multi-unit acquisitions.