Funding built around how kitchens make money
Restaurant Financing for Owners and Operators
Your P&L lives and dies on prime cost, covers, and the slow weeks between busy ones. We fund restaurants, cafés, bars, and franchisees from $5,000 to $1.5 million for kitchen equipment, build-outs, payroll gaps, and growth, on a fixed monthly schedule you can plan around.
- Talk to a specialist today; with 3 bank statements, approval can come the same day
- After signing, funding typically takes 3–7 business days
- Terms up to 36 months, never a cut of your daily card batches
Marie Lokmanyan handles restaurant requests one-on-one.
Between services? Call (310) 402-1600
Think like your own CFO
Borrow against the numbers that run your restaurant
- Prime cost first. If food, beverage, and labor already eat most of your sales, a loan has to earn its payment through more covers, less waste, or lower labor.
- Match the term to the asset. A combi oven that lasts a decade shouldn’t be paid off in eight months of daily debits.
- Payroll is weekly; rent is monthly; sales are seasonal. A fixed payment lets you forecast cash the same way you forecast labor.
- Deposits beat promises. We look at your actual bank activity, not just a credit score.
What $100,000 costs each month
1.35 factor, repaid over ~8 months≈ $16,875/mo
24-month term, assumed 18% APR≈ $4,992/mo
A worked example with assumed pricing, not a quote. Model your payment →
Pick the problem you’re solving
Restaurant financing options by need
Kitchens, dining rooms, trucks, and taprooms all borrow differently. Here is how each one is usually funded.
Kitchen equipment
Hoods, combi ovens, walk-ins, ice machines, and dish machines.
Learn more →Food trucks
Trucks, trailers, mobile kitchens, and wraps.
Learn more →Bars and taverns
Draft systems, back-bar refrigeration, and kitchen add-ons.
Learn more →Line of credit
A standing cushion for slow months and surprise repairs.
Learn more →Payroll and food costs
Bridge the gap between weekly payroll and seasonal sales.
Learn more →Dining room and patio
Refresh seating, add outdoor covers, or complete a brand reimage.
Learn more →Franchise units
New units, required remodels, and multi-unit growth.
Learn more →Every loan type
Term, SBA, equipment, and credit lines compared.
Learn more →Opening a restaurant?
Plan the build-out before the borrowing
New restaurants are usually funded with SBA loans, equipment financing, and owner equity rather than fast working-capital loans. Lenders want to see a sales build from seats, turns, and average check; prime cost and occupancy as a share of sales; and enough reserve to survive the first slow month.
Already serving guests?
What operating restaurants need to qualify
- A restaurant, café, bar, food truck, or franchise you’ve owned for 30+ days
- Around $17,000 or more in monthly sales, cash and card combined
- A personal credit score near 575 or above
- The last three months of business bank statements
From form to funds
Three steps, done between services
- 1
Two-minute request
Tell us what the money is for and roughly what you do in monthly sales. Checking has no effect on your credit.
- 2
Statements and a call
Upload your three latest bank statements and talk through cost, term, and timing with your specialist.
- 3
Decision and deposit
Approval can arrive the same day; signed deals usually fund within 3–7 business days.
Speed, amounts, and approval depend on underwriting and are not guaranteed. Not all applicants qualify. Loans are made or arranged by ARF Financial, LLC (CA Finance Lender License No. 6037958). See disclosures.
Your point of contact
A banker who reads a restaurant P&L
Restaurant owners don’t have time to explain food cost to a call center. Marie Lokmanyan spent more than a decade as a Wells Fargo private banker and now works directly with operators, franchisees, and hospitality owners on equipment, expansion, and cash-flow funding.
- Two decades in commercial banking and business lending
- Wells Fargo private banker for over ten years
- Small-business funding consultant since 2016
- NYU business administration graduate
Operator reading list