There are multiple ways to obtain restaurant financing. When a restaurant is well established, has good books and records, and provable income, there are many sources of funding. Even when you are acquiring an asset sale (which does not have books and records) that you plan to open as your own new and improved concept, there are lending options. SBA loans have the backing of the Small Business Administration. While the SBA does not issue loans (a common misconception), they do guarantee loans which lowers the risk for the bank. That makes lenders more willing to accept risk since the government is standing behind the deal and guaranteeing as much as 80 or 90 percent of their risk.
Franchises in particular are great candidates for an SBA loan to buy a restaurant, and the Restaurant Brokers have a number of lending resources that specialize in franchise resales. Another option for financing a restaurant purchase is seller or owner financing. This occurs when the restaurant or bar owner agrees to carry a note or personally finance a portion of the transaction. Instead of paying for the entire purchase price up front, the seller allows for some amount (typically 25 to 50 percent) to be paid over time. Sellers performing the function of the bank will still require that there be a purchase note and guarantees from the buyers.
Restaurant buyers often overlook their 401(k) as a source of capital, without realizing there are ways to use 401(k) funds without facing a large tax bill from Uncle Sam. For over 10 years, 401(k) rollover services, also known as Rollovers for Business Start-ups (ROBS), have helped entrepreneurs fund their dream of small business ownership. With ROBS, you can invest your existing retirement funds into a new business or franchise without taking a taxable distribution.
Crowd sourcing or crowd funding is the new kid on the block when it comes to financing a restaurant purchase. It allows family, friends, customers or anyone else to support your business in an online community-funding platform. Online lending is another new way of lending that is driven by the Internet. Just like relationship websites (eHarmony) or retail websites (Amazon), the Internet is a proven ground for bringing parties together. It's no wonder that lending platforms have sprung from this as well. Download our Quick Guide to Financing a Restaurant to learn the pros and cons about each category along with resources for each type of lending.
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Turn-Key Colorado Restaurant and Bar for Sale includes Real Estate
Listing ID:
8108 Lease Term:
No Lease comes with real estate Sq.Ft.
3750, -
2 Store Package of Pizza Franchises for Sale in the Columbus Area
Listing ID:
8105 Lease Term:
Expires September 3, 2022 | May 7, 2024 Monthly Rent:
$3710.91,2845.03, Sq.Ft.
1750,1511, -
Profitable Subway Franchise for Sale in the Cleveland Market
Listing ID:
8102 Lease Term:
1, 5 Monthly Rent:
$1850, Sq.Ft.
1500, -
Profitable Tropical Smoothie Franchise for Sale in the Houston Market
Listing ID:
8100 Lease Term:
Expires May 1, 2023 with two five-year options remaining Monthly Rent:
$5896.04, Sq.Ft.
2177, -
1350 SF Turn Key Restaurant for Sale on Very Busy Road in Naples
Listing ID:
8098 Lease Term:
expires November 2021 Monthly Rent:
$2888.59, Sq.Ft.
1350, -
Established and operating Pizza Restaurant for Sale in a growing location! Fully equipped and ready for you to step in! Make 46 years of operation yours and enjoy the benefits.
Listing ID:
8093 Lease Term:
2021 +5 Years Monthly Rent:
$4621-, Sq.Ft.
1965-, -
Limited Investment for this Subway Franchise for Sale in Cleveland Area
Listing ID:
8092 Lease Term:
, Monthly Rent:
$3229.04, Sq.Ft.
2250, -
Fully Equipped Knoxville Pizzeria for Sale Great Location on Kingston Pike
Listing ID:
8090 Lease Term:
Expires 11/1/20123 Monthly Rent:
$2650, Sq.Ft.
1800, -
High Six Figure Earnings Metro Atlanta Firehouse Subs Franchise For Sale
Listing ID:
8089 Lease Term:
Remainder of current term thru 2023 Monthly Rent:
$3341.00, Sq.Ft.
2000, -
Incredible Earnings on Four Firehouse Subs Franchises for Sale
Listing ID:
8080 Lease Term:
Expires 2025 | 2022 | 2023 | 2021 Three have two five-year options remaining Monthly Rent:
$6000,5813,5125,6205, Sq.Ft.
2014,1735,2070,2536, -
Pizza Franchise for Sale in Atlanta -- Major Brand and BIG Earnings
Listing ID:
8071 Lease Term:
Valid thru July 2025 plus 1 ten year option Monthly Rent:
$3397.00- Sq.Ft.
1400- -
Two Sandwich Shop Franchises for Sale Ready for New Owner!
Listing ID:
8068 Lease Term:
TBD Monthly Rent:
$3000,3200, Sq.Ft.
1250,2300, -
Healthy, Quick-Casual Concept Restaurant for Sale in Cape Coral
Listing ID:
8064 Lease Term:
expires November 2021 + two (2) five (5) year options Monthly Rent:
$5427, Sq.Ft.
1800, -
Multi-Unit, Healthy, Quick-Casual Restaurants for Sale for Sale in Lee County
Listing ID:
8063 Lease Term:
Expires April 2029 Monthly Rent:
$5427,6200, Sq.Ft.
1800,2482, -
Healthy, Quick-Casual Restaurant for Sale in Fort Myers
Listing ID:
8062 Lease Term:
Expires April 2029 Monthly Rent:
$6200, Sq.Ft.
2482, -
Profitable Latin Fusion Restaurant for Sale in Port Richey with Great Earnings
Listing ID:
8057 Lease Term:
Expires June 2024 with One 5-year option remaining Monthly Rent:
$2688, Sq.Ft.
1600, -
Bring Your Concept to this Nashville Restaurant for Sale in Hillsboro Village
Listing ID:
8052 Lease Term:
Expires July 1, 2022 with one 5-year option remaining Monthly Rent:
$6100- Sq.Ft.
1900- -
Iowa Pizza Franchise for Sale Earns 6 Figures - Approved for Lending!
Listing ID:
8049 Lease Term:
2, 5 Monthly Rent:
$3686.45, Sq.Ft.
1800, -
Profitable Bagel Shop for Sale in Raleigh NC - Franchise Opportunity!
Listing ID:
8048 Lease Term:
2, 5 Monthly Rent:
$5387, Sq.Ft.
1820, -
Pizza Franchise for Sale in Atlanta Georgia Priced to Sell
Listing ID:
8044 Lease Term:
, Monthly Rent:
$5500.00 Sq.Ft.
2000 -
Maryland Firehouse Subs Franchise for Sale in Very High Traffic Area
Listing ID:
8039 Lease Term:
Expires 2024 with 2 five year options to extend Monthly Rent:
$5898.23, Sq.Ft.
2137, -
Gatlinburg TN Pizzeria for Sale - Annual Cash Flow Exceeds $200,000
Listing ID:
8036 Lease Term:
Expires June 2025 Monthly Rent:
$2500, Sq.Ft.
1700, -
Free Standing Schlotzskz / Cinnabon Franchise for Sale in Colorado, Springs
Listing ID:
8035 Lease Term:
8 years Monthly Rent:
$8300, Sq.Ft.
2700, -
Great Pizzeria - Over $750,000 in Sales in 2020 - Commack NY
Listing ID:
8034 Lease Term:
6 years Monthly Rent:
$5530, Sq.Ft.
2300, -
Incredible Earnings on this Downtown Gatlinburg Pizzeria for Sale
Listing ID:
8032 Lease Term:
Expires 1.18.2026 with 5 year options Monthly Rent:
$7000, Sq.Ft.
2100, -
Turnkey Restaurant for Sale in Littleton, Co. Bring Your Own Concept!
Listing ID:
8023 Lease Term:
expires 2023 with option Monthly Rent:
$3700, Sq.Ft.
1400, -
Clean Juice Franchise for Sale in Sarasota, Florida
Listing ID:
8018 Lease Term:
, Monthly Rent:
$5552 Sq.Ft.
1600 -
Great Price on this Pizzeria for Sale in Pittsburgh, Pa
Listing ID:
8014 Lease Term:
Expires March 8,2023 Monthly Rent:
$6400, Sq.Ft.
2700, -
High Growth Area Pizza Franchise for Sale in NW Suburbs
Listing ID:
8011 Lease Term:
Expires July 2024 Monthly Rent:
$2505, Sq.Ft.
1289, -
Great Location on this Neighborhood Tucson Cafe for Sale- Local Favorite
Listing ID:
8009 Lease Term:
Expires 7.31.2025 Monthly Rent:
$TBD- Sq.Ft.
2521- -
Profitable Burger Joint & Bar for Sale in Booming High Point, North Carolina
Listing ID:
8007 Lease Term:
Expires 2029 with 1 five-year option remaining Monthly Rent:
$2500.00, Sq.Ft.
3600, -
Profitable Pittsburgh Juice Bar Franchise for Sale with Half-Million in Sales
Listing ID:
8006 Lease Term:
2, 5 year Monthly Rent:
$2,768 Sq.Ft.
1200 -
Profitable Moe's Franchise for Sale in South Florida with Six-Figure Earnings
Listing ID:
8005 Lease Term:
2, 5 Monthly Rent:
$11500 Sq.Ft.
2515 -
Strong Sales And Earnings At This Columbus Deli Franchise For Sale
Listing ID:
7984 Lease Term:
Expires 2025 with Two ten-year options remaining Monthly Rent:
$8805.63, Sq.Ft.
4100, -
Two Firehouse Subs Franchises for Sale with well over six-figure Earnings
Listing ID:
7982 Lease Term:
, Monthly Rent:
$6750,5640, Sq.Ft.
2150,2000, -
Italian Restaurant for Sale with Pizzeria Business in Miller Place Priced to Sell
Listing ID:
7979 Lease Term:
4 Monthly Rent:
$3700, Sq.Ft.
1800, -
Metro Atlanta Firehouse Subs Franchise for Sale with great Earnings
Listing ID:
7971 Lease Term:
1, 5 Monthly Rent:
$7100, Sq.Ft.
1120, -
Naples Pizzeria for Sale. High Traffic Area. Established 10 years.
Listing ID:
7969 Lease Term:
expires October 2027 Monthly Rent:
$2000, Sq.Ft.
1100, -
Pizza Franchise for Sale- Six-Figure Earningsin Earnings in Metro ATL Area
Listing ID:
7966 Lease Term:
Expires July 2023 with Two 5-year options Monthly Rent:
$3408.92, Sq.Ft.
1500, -
Profitable Fayette County GA BBQ Franchise For Sale
Listing ID:
7965 Lease Term:
Balance of 5 years Monthly Rent:
$3167.42, Sq.Ft.
1400, -
Firehouse Subs Franchise for Sale in Meto Atlanta Area $139,000 Earnings
Listing ID:
7958 Lease Term:
Expires 10/31/2023 Monthly Rent:
$3700, Sq.Ft.
2890, -
Profitable Charlotte Area Moe's Southwest Grill Franchise For Sale
Listing ID:
7948 Lease Term:
remainder of 10 year lease plus options Monthly Rent:
$$10225, Sq.Ft.
2691, -
Profitable Georgia Diner for Sale is Home-Cooking up Six-Figures
Listing ID:
7944 Lease Term:
Expires May 31, 2022 Monthly Rent:
$3508, Sq.Ft.
1458, -
Pizza Restaurant for Sale in Ormond Beach, Florida!
Listing ID:
7941 Lease Term:
2023 Monthly Rent:
$5500, Sq.Ft.
1950, -
Pizza Franchise for Sale in Tyler, Tx is Priced right and ready for new owner
Listing ID:
7940 Lease Term:
Expires March 31, 2021 Monthly Rent:
$4288.05, Sq.Ft.
2250, -
Sandwich Franchise for Sale in Fort Worth has lending available
Listing ID:
7939 Lease Term:
Valid through 2028 Monthly Rent:
$6174, Sq.Ft.
1750, -
Profitable Restaurant and Bar for Sale in Denver, Co. with Prime Location
Listing ID:
7930 Monthly Rent:
$6659- Sq.Ft.
2600- -
Papa John's Pizza Franchise For Sale! Over $549,000 in Sales!
Listing ID:
7924 Lease Term:
Expires 2 / 2022 with 2 options Monthly Rent:
$2449, Sq.Ft.
1500,
- Listing Id:8108 Lease Term:No Lease comes .. Monthly RentNA Sq.ft.3750,
- Listing Id:8107 Lease Term:, Monthly RentNA Sq.ft.NA
- Listing Id:8105 Lease Term:Expires Septemb.. Monthly Rent$3710.91,2845.03.. Sq.ft.1750,1511,
- Listing Id:8102 Lease Term:1, 5 Monthly Rent$1850, Sq.ft.1500,
- Listing Id:8100 Lease Term:Expires May 1, .. Monthly Rent$5896.04, Sq.ft.2177,
- Listing Id:8098 Lease Term:expires Novembe.. Monthly Rent$2888.59, Sq.ft.1350,
Established and operating Pizza Restaurant for Sale in a growing location! Fully equipped and ready for you to step in! Make 46 years of operation yours and enjoy the benefits.
View Complete ListingListing Id:8093 Lease Term:2021 +5 Years Monthly Rent$4621-, Sq.ft.1965-,- Listing Id:8092 Lease Term:, Monthly Rent$3229.04, Sq.ft.2250,
- Listing Id:8090 Lease Term:Expires 11/1/20.. Monthly Rent$2650, Sq.ft.1800,
- Listing Id:8089 Lease Term:Remainder of cu.. Monthly Rent$3341.00, Sq.ft.2000,
- Listing Id:8080 Lease Term:Expires 2025 | .. Monthly Rent$6000,5813,5125,.. Sq.ft.2014,1735,2070,..
- Listing Id:8071 Lease Term:Valid thru July.. Monthly Rent$3397.00- Sq.ft.1400-
- Listing Id:8068 Lease Term:TBD Monthly Rent$3000,3200, Sq.ft.1250,2300,
- Listing Id:8064 Lease Term:expires Novembe.. Monthly Rent$5427, Sq.ft.1800,
- Listing Id:8063 Lease Term:Expires April 2.. Monthly Rent$5427,6200, Sq.ft.1800,2482,
- Listing Id:8062 Lease Term:Expires April 2.. Monthly Rent$6200, Sq.ft.2482,
Profitable Latin Fusion Restaurant for Sale in Port Richey with Great Earnings
View Complete ListingListing Id:8057 Lease Term:Expires June 20.. Monthly Rent$2688, Sq.ft.1600,- Listing Id:8052 Lease Term:Expires July 1,.. Monthly Rent$6100- Sq.ft.1900-
- Listing Id:8049 Lease Term:2, 5 Monthly Rent$3686.45, Sq.ft.1800,
- Listing Id:8048 Lease Term:2, 5 Monthly Rent$5387, Sq.ft.1820,
- Listing Id:8044 Lease Term:, Monthly Rent$5500.00 Sq.ft.2000
- Listing Id:8039 Lease Term:Expires 2024 wi.. Monthly Rent$5898.23, Sq.ft.2137,
- Listing Id:8036 Lease Term:Expires June 20.. Monthly Rent$2500, Sq.ft.1700,
- Listing Id:8035 Lease Term:8 years Monthly Rent$8300, Sq.ft.2700,
- Listing Id:8034 Lease Term:6 years Monthly Rent$5530, Sq.ft.2300,
- Listing Id:8032 Lease Term:Expires 1.18.20.. Monthly Rent$7000, Sq.ft.2100,
- Listing Id:8023 Lease Term:expires 2023 wi.. Monthly Rent$3700, Sq.ft.1400,
- Listing Id:8018 Lease Term:, Monthly Rent$5552 Sq.ft.1600
- Listing Id:8014 Lease Term:Expires March 8.. Monthly Rent$6400, Sq.ft.2700,
- Listing Id:8011 Lease Term:Expires July 20.. Monthly Rent$2505, Sq.ft.1289,
- Listing Id:8009 Lease Term:Expires 7.31.20.. Monthly Rent$TBD- Sq.ft.2521-
- Listing Id:8007 Lease Term:Expires 2029 wi.. Monthly Rent$2500.00, Sq.ft.3600,
- Listing Id:8006 Lease Term:2, 5 year Monthly Rent$2,768 Sq.ft.1200
- Listing Id:8005 Lease Term:2, 5 Monthly Rent$11500 Sq.ft.2515
- Listing Id:7984 Lease Term:Expires 2025 wi.. Monthly Rent$8805.63, Sq.ft.4100,
- Listing Id:7982 Lease Term:, Monthly Rent$6750,5640, Sq.ft.2150,2000,
Italian Restaurant for Sale with Pizzeria Business in Miller Place Priced to Sell
View Complete ListingListing Id:7979 Lease Term:4 Monthly Rent$3700, Sq.ft.1800,- Listing Id:7971 Lease Term:1, 5 Monthly Rent$7100, Sq.ft.1120,
- Listing Id:7969 Lease Term:expires October.. Monthly Rent$2000, Sq.ft.1100,
- Listing Id:7966 Lease Term:Expires July 20.. Monthly Rent$3408.92, Sq.ft.1500,
- Listing Id:7965 Lease Term:Balance of 5 ye.. Monthly Rent$3167.42, Sq.ft.1400,
- Listing Id:7958 Lease Term:Expires 10/31/2.. Monthly Rent$3700, Sq.ft.2890,
- Listing Id:7948 Lease Term:remainder of 10.. Monthly Rent$$10225, Sq.ft.2691,
- Listing Id:7945 Lease Term:NA Monthly RentNA Sq.ft.10400,
- Listing Id:7944 Lease Term:Expires May 31,.. Monthly Rent$3508, Sq.ft.1458,
- Listing Id:7941 Lease Term:2023 Monthly Rent$5500, Sq.ft.1950,
- Listing Id:7940 Lease Term:Expires March 3.. Monthly Rent$4288.05, Sq.ft.2250,
- Listing Id:7939 Lease Term:Valid through 2.. Monthly Rent$6174, Sq.ft.1750,
- Listing Id:7930 Lease Term:NA Monthly Rent$6659- Sq.ft.2600-
- Listing Id:7924 Lease Term:Expires 2 / 202.. Monthly Rent$2449, Sq.ft.1500,