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Restaurants for Sale with Owner Financing

Restaurants for Sale with Owner Financing

Buying a restaurant?  Try seeking restaurants for sale with owner financing like the ones shown on this page.   We Sell Restaurants works with several owners who are willing to be the "banker" in a deal for a new buyer. This is helpful when you have strong experience but weak credit or simply don't have a lot of cash on hand.

While there are multiple ways to obtain restaurant financing such as SBA guaranteed loans through traditional lenders or another financing, perhaps none is more beneficial to a buyer than owner financing. Owner (or seller) financing occurs when a restaurant or bar owner offers to carry a promissory note and to personally finance part of the purchase.

Rather than pay everything up front, in the case of owner financing, the seller allows for a large chunk of the payment (usually 25 to 50 percent) to be paid in installments over time. Because the seller is performing the function of a traditional lender, they will still require guarantees and a purchase note from the buyer.

Here are the main benefits of a restaurant for sale with owner financing:
1) The owner has "skin in the game" and will be motivated to help you succeed 
2) The cost associated with owner financing is minimal versus bank lending which can be costly in terms of upfront fees 
3) Seller financing terms can be negotiated easily between a restaurant buyer and seller versus standard terms set by banks 
 
When it comes to buying a restaurant for sale, owner financing is usually advantageous for both sellers and buyers because it eliminates the costs of a bank intermediary. Although owner financing requires that the seller take on the default risk of the buyer, owners are often more willing to negotiate as owner financing can provide extra income to the seller in the form of interest and can move a property more quickly in a buyer’s market.
 
The restaurants for sale with owner financing offered here demonstrate the number of sellers willing to provide credit to borrowers with good experience that may not qualify with traditional lenders or have other reasons for seeking owner financing.

Restaurants for Sale with Owner Financing

Financing a Restaurant Purchase with Unsecured Lending

For many, the dream of buying a restaurant is limited only by the size of their savings or their ability to borrow through an SBA lending program.

Well Established Chinese Restaurant for Sale in Volusia County, FL!

Well Established Chinese Restaurant for Sale in Volusia County, FL!

Listing Id:9747 Lease Term:April 20 2025 Monthly Rent$3896.28, Sq.ft.1059,
$317,000 in Earnings at this Popular Shenandoah Valley Restaurant for Sale!

$317,000 in Earnings at this Popular Shenandoah Valley Restaurant for Sale!

Listing Id:9722 Lease Term:Expires June 30.. Monthly Rent$3011.08,798.96, Sq.ft.2438,614,

Buying a Restaurant with SBA Lending – What the Lender Needs

If you are buying a restaurant with SBA lending, make sure you are ready to go with this checklist of items the bank will need.

Aisian Fusion Restaurant for Sale in Philadelphia PA - $1 Million in Sales

Aisian Fusion Restaurant for Sale in Philadelphia PA - $1 Million in Sales

Listing Id:9704 Lease Term:Remainder of cu.. Monthly Rent$11500, Sq.ft.1600 + 800 base..
Large Fully Equipped Restaurant for Sale in Antioch, TN!

Large Fully Equipped Restaurant for Sale in Antioch, TN!

Listing Id:9696 Lease Term:2024 with 1 (5).. Monthly Rent$8000, Sq.ft.6500,

How to Buy a Restaurant with Financing Today

Wondering how to buy a restaurant and curious about the status of lending? Here are tips from this Restaurant Broker on how to overcome hurdles in buying a restaurant with financing today.

Multi-Unit Independent Restaurants for Sale in Colorado Springs

Multi-Unit Independent Restaurants for Sale in Colorado Springs

Listing Id:9645 Lease Term:3 years + 2-5yr.. Monthly Rent$12000, Sq.ft.6000,
Restaurant and Bar for Sale in Sunrise, Fl – Nets $309,962 in 2022 to Owner

Restaurant and Bar for Sale in Sunrise, Fl – Nets $309,962 in 2022 to Owner

Listing Id:9633 Lease Term:Expires Decembe.. Monthly Rent$10353.63, Sq.ft.2760,

How to Buy a Restaurant with No Money Down

Falling in Love with the Dream and Buying the Reality. You want to buy a restaurant but you don’t have money for the deal. Is there a solution? Read on for the tips and tricks from We Sell Restaurants

Pizzeria for Sale in Boca Raton, Florida Nets $351,000 Annually, SBA

Pizzeria for Sale in Boca Raton, Florida Nets $351,000 Annually, SBA

Listing Id:9605 Lease Term:Expires August .. Monthly Rent$4792, Sq.ft.2,200,
Broward County Pizza Shop for Sale Nets $220,000 for Owner/Operator

Broward County Pizza Shop for Sale Nets $220,000 for Owner/Operator

Listing Id:9558 Lease Term:Expires Decembe.. Monthly Rent$4819, Sq.ft.2273,
Profitable Restaurant for Sale in Volusia County, FL!

Profitable Restaurant for Sale in Volusia County, FL!

Listing Id:9551 Lease Term:November 2024 Monthly Rent$3309.99, Sq.ft.2400,
Sports Bar for Sale in Beautiful Southwest Florida, Seller Financing

Sports Bar for Sale in Beautiful Southwest Florida, Seller Financing

Listing Id:9526 Lease Term:expires March 2.. Monthly Rent$12000, Sq.ft.5000,
Restaurant for Sale in Tequesta, Florida provides $175,000 to Operators

Restaurant for Sale in Tequesta, Florida provides $175,000 to Operators

Listing Id:9470 Lease Term:Expires June 30.. Monthly Rent$2606, Sq.ft.1200,
Profitable Franchise for Sale in Melbourne with Owner Financing

Profitable Franchise for Sale in Melbourne with Owner Financing

Listing Id:9433 Lease Term:Expires in 2030.. Monthly Rent$3500, Sq.ft.1200,
Priced to Sell- Fully Equipped Jamaican Restaurant for Sale in El Paso

Priced to Sell- Fully Equipped Jamaican Restaurant for Sale in El Paso

Listing Id:9416 Lease Term:Expires in 2026 Monthly Rent$3650, Sq.ft.1200,
Franchise Cafe and Deli for Sale in Downtown Fort Worth

Franchise Cafe and Deli for Sale in Downtown Fort Worth

Listing Id:9372 Lease Term:2 years left on.. Monthly Rent$1500, Sq.ft.3200,
Fully Equipped Pizza Shop For Sale In Desirable Cobb County

Fully Equipped Pizza Shop For Sale In Desirable Cobb County

Listing Id:9360 Lease Term:Expires 9/30/20.. Monthly Rent$1400, Sq.ft.1250,
Turnkey Pizza Restaurant For Sale In Kennesaw, Georgia

Turnkey Pizza Restaurant For Sale In Kennesaw, Georgia

Listing Id:9350 Lease Term:Epires 07/01/20.. Monthly Rent$4225, Sq.ft.2100,
Dunwoody GA Sports Bar For Sale - SIX FIGURE EARNINGS

Dunwoody GA Sports Bar For Sale - SIX FIGURE EARNINGS

Listing Id:9338 Lease Term:Month to Month Monthly Rent$4200, Sq.ft.3100,
Turn key Restaurant for Sale!

Turn key Restaurant for Sale!

Listing Id:9329 Lease Term:to be negotiate.. Monthly Rent$NA, Sq.ft.2424,
Flagler County Restaurant for Sale - Great Views!

Flagler County Restaurant for Sale - Great Views!

Listing Id:9264 Lease Term:March 2024 + 9 .. Monthly Rent$8025.00, Sq.ft.1400,
Italian Restaurant for Sale in Florida – Nets $151,000 to Sellers

Italian Restaurant for Sale in Florida – Nets $151,000 to Sellers

Listing Id:9160 Lease Term:Expires Novembe.. Monthly Rent$3968, Sq.ft.1800,
Broward County Deli and Bagel Shop for Sale - Gross sales of $982K

Broward County Deli and Bagel Shop for Sale - Gross sales of $982K

Listing Id:9029 Lease Term:Expires on Apri.. Monthly Rent$7101.85, Sq.ft.3200,
$110,000 in earnings on craft burger restaurant for sale in Fort Worth!

$110,000 in earnings on craft burger restaurant for sale in Fort Worth!

Listing Id:8949 Lease Term:expires 10/31/2.. Monthly Rent$2000, Sq.ft.1500,
OWNER FINANCING for popular Chicken Wing Restaurant for Sale!

OWNER FINANCING for popular Chicken Wing Restaurant for Sale!

Listing Id:8926 Lease Term:Expires Septemb.. Monthly Rent$5374, Sq.ft.1380,
Cupcake and Ice Cream Shop For Sale!  Make an offer today!

Cupcake and Ice Cream Shop For Sale! Make an offer today!

Listing Id:8915 Lease Term:expires May 202.. Monthly Rent$3250, Sq.ft.1300,
Profitable Norcross Cafe and Sandwich Shop for Sale

Profitable Norcross Cafe and Sandwich Shop for Sale

Listing Id:8904 Lease Term:New Lease to be.. Monthly Rent$4500.00, Sq.ft.1348,
Restaurant for Lease Established in 1931 - Available!

Restaurant for Lease Established in 1931 - Available!

Listing Id:8878 Lease Term:5 year lease Monthly Rent$2200, Sq.ft.1500,
Dallas Sports Bar and Grill for Sale - 50% Down 50% Owner Financing!

Dallas Sports Bar and Grill for Sale - 50% Down 50% Owner Financing!

Listing Id:8766 Lease Term:Lease Expires J.. Monthly Rent$11897.50, Sq.ft.4750 ,
Florida Restaurant with $1.,287,092 in sales nets $129k in profits

Florida Restaurant with $1.,287,092 in sales nets $129k in profits

Listing Id:8272 Lease Term:Expires June 20.. Monthly Rent$8174, Sq.ft.1650,
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