Restaurant Loans

At Capital Investors Direct, we understand that the restaurant industry is not just about serving delicious meals; it's also about strategic investments.

Whether you're an established restaurateur or a budding entrepreneur with a dream, our specialized restaurant loans are crafted to fuel your culinary ambitions.

Explore a world of opportunities with Capital Investors Direct as your trusted financial partner.

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About Restaurant Loans

Embark on a journey of culinary excellence with our tailor-made restaurant loans.
Capital Investors Direct recognizes the unique challenges and potential of the restaurant business.

Our loans are designed to provide restaurateurs with the financial backing needed to thrive in a competitive market.
From cozy cafes to upscale fine dining establishments, our commitment is to empower your culinary vision with flexible financing solutions.

Restaurant Loan Types

Dive into a menu of restaurant loan options designed to suit your specific needs:

1. Equipment Financing:Upgrade your kitchen or dining area with our equipment financing solutions. From state-of-the-art ovens to stylish furniture, our loans ensure you have the tools to create a memorable dining experience.

2. Working Capital Loans:Maintain a healthy cash flow to cover day-to-day operations, from staffing to inventory. Our working capital loans provide the financial flexibility you need to keep your restaurant running smoothly.

3. Renovation Loans:Elevate the ambiance and functionality of your restaurant space with our renovation loans. Whether it's a modern facelift or a complete overhaul, we've got the funds to transform your venue.

4. Startup Loans:Launch your culinary venture with confidence using our startup loans. From concept to execution, we provide the capital infusion necessary to turn your restaurant dreams into a thriving reality.

Restaurant Loan Options

Bridge Loans: Navigate transitional phases in your restaurant's growth with short-term bridge loans, ideal for renovations, expansions, or when waiting for permanent financing.

Hard Money Loans: Secure quick and flexible financing for your restaurant, suitable for situations requiring rapid funding with less emphasis on credit history.

State Income Loans: Explore specialized loan options that consider state-specific income nuances, ensuring a customized approach to financing for your restaurant.

Investment Property Loans: Finance diverse restaurant properties, including high-end dining establishments or trendy cafes, with tailored solutions for various culinary ventures.

SBA Loans: Access government-backed Small Business Administration (SBA) loans, providing competitive rates and favorable terms to fuel your restaurant's growth.

FHA Loans: Explore Federal Housing Administration (FHA) loans for restaurant projects, offering government-backed financing with attractive terms for your culinary ventures.

CMBS Loans: Dive into the Commercial Mortgage-Backed Securities (CMBS) market to secure financing, providing a pool of funds for your restaurant investment, often with favorable terms and rates.

Restaurant Loan Terms

Generally, our restaurant loan terms comprise the following:

  • Loan Size: Starting from $500,000 and above.
  • Loan Purpose: Intended for property acquisition or refinancing, excluding business-only financing.
  • Loan Term: Options of 3, 5, 7, and 10-year fixed-rate terms.
  • Amortization: Choices of 15, 20, 25, and 30-year amortization periods.
  • Leverage: Allowance of up to 75% Loan-to-Value (LTV) with subordinate debt permitted.
  • Debt Service Coverage Ratio (DSCR): Minimum DSCR of 1.40.
  • Credit Score Requirement: Minimum credit score of 660.


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Capital Investors Direct funds different commercial properties across the country. Below are few commercial properties we lend hard money for –

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