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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.

Restaurant for Sale in Tequesta, Florida provides $150,000 to Operators

Restaurant for Sale in Tequesta, Florida provides $150,000 to Operators

Listing Id:9470 Lease Term:Expires June 30.. Monthly Rent$2606, Sq.ft.1200,
Profits of $164,000 Franchise for Sale in Melbourne with Owner Financing

Profits of $164,000 Franchise for Sale in Melbourne with Owner Financing

Listing Id:9433 Lease Term:Expires in 2030.. Monthly Rent$3500, Sq.ft.1200,

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.

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,

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.

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,
Free Standing Restaurant for Sale with Real Estate

Free Standing Restaurant for Sale with Real Estate

Listing Id:9329 Lease Term:to be negotiate.. Monthly Rent$NA, Sq.ft.2424,

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

$400K for Owner Operator of Seafood Restaurant for Sale -Full Bar and Patio

$400K for Owner Operator of Seafood Restaurant for Sale -Full Bar and Patio

Listing Id:9316 Lease Term:expires Februar.. Monthly Rent$8932.15, Sq.ft.5700,
Profitable West Chester County Seafood Market & Catering Business for Sale

Profitable West Chester County Seafood Market & Catering Business for Sale

Listing Id:9286 Lease Term:remainder of cu.. Monthly Rent$$3700.00, Sq.ft.1000,
Award Winning Upscale Bistro Restaurant for Sale Cherry Creek Neighborhood

Award Winning Upscale Bistro Restaurant for Sale Cherry Creek Neighborhood

Listing Id:9070 Lease Term:3-1/2 years lef.. Monthly Rent$4600, Sq.ft.1200,
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,
Upscale Bistro Nets Owner $433,000.  Up to 70% Seller Financing!

Upscale Bistro Nets Owner $433,000. Up to 70% Seller Financing!

Listing Id:9017 Lease Term:5-1/2 years rem.. Monthly Rent$8233, Sq.ft.1550,
$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,
Fast Casual Restaurant for Sale Opportunity - Convert to ANY Concept

Fast Casual Restaurant for Sale Opportunity - Convert to ANY Concept

Listing Id:8816 Lease Term:Expires April 3.. Monthly Rent$2841.79, Sq.ft.1350,
Sub Franchise for Sale - Turnkey and Ready for New Owner!

Sub Franchise for Sale - Turnkey and Ready for New Owner!

Listing Id:8771 Lease Term:Valid through J.. Monthly Rent$6108.00, Sq.ft.1400,
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 ,
Thai Restaurant for Sale with $300,000+/- in sales & Growth Opportunity!

Thai Restaurant for Sale with $300,000+/- in sales & Growth Opportunity!

Listing Id:8763 Lease Term:Expires April 3.. Monthly Rent$2841.79, Sq.ft.1350,
Subway Franchise for Sale in the Cleveland Market

Subway Franchise for Sale in the Cleveland Market

Listing Id:8133 Lease Term:Expires May 202.. Monthly Rent$1856, Sq.ft.1500,
Littleton Italian, Pizza Restaurant for Sale with Liquor License

Littleton Italian, Pizza Restaurant for Sale with Liquor License

Listing Id:8023 Lease Term:expires 2023 wi.. Monthly Rent$3700, Sq.ft.1400,
Franchise Sports Bars for Sale 2 Locations & Room to Grow!

Franchise Sports Bars for Sale 2 Locations & Room to Grow!

Listing Id:6334 Lease Term:4 years left pl.. Monthly Rent$13458 Sq.ft.6600
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