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Bar and Restaurant Financing

Bar and Restaurant Financing

Business Loans for Restaurants and Bars for Bad Credit

Getting a business loan for a restaurant or bar with bad credit can be challenging but not impossible. Several lenders specialize in providing financing options to businesses with less-than-perfect credit histories. One option is a merchant cash advance. You get a lump sum upfront and repay it with a percentage of your daily credit card sales. While this option can be more expensive due to higher fees, it provides flexibility in repayment.

Another option is a business line of credit, which works to a credit card. You can borrow money up to a certain amount and only pay interest on what you use. This can help you manage your money and pay for unexpected costs. Additionally, some microlenders and online lenders offer loans designed for businesses with bad credit. These loans often have higher interest rates but can provide the capital you need to grow your restaurant or bar.

How Can You Use Equipment Financing for Bar and Restaurant Business?

Equipment financing can be a game-changer for your bar or restaurant business. This is how you can use it to your benefit:

  • Upgrade or Replace Equipment
  • Expand Your Menu
  • Improve Efficiency
  • Enhance Customer Experience
  • Increase Capacity
  • Stay Competitive
  • Manage Cash Flow

Equipment financing can be a strategic investment for your bar or restaurant business, helping you improve operations, enhance customer experience, and stay competitive in the market.

Eligibility for Getting Bar and Restaurant Loans

Eligibility criteria for bar and restaurant equipment financing loans can vary depending on the lender and the specific terms of the loan. Here are the usual criteria you need to meet:

  • 1 year in business
  • Monthly revenue of at least $15,000
  • Business owner must have a valid Social Security Number
  • Business Tax ID / EIN must be valid
  • 3 months of bank statements available

Business Capital USA uses advanced technology to simplify the application process, making it easier for your business to access the working capital it needs.

Get Quick Merchant Cash Advance for Bar and Restaurant with Business Capital USA

Business Capital USA offers quick merchant cash advances for bars and restaurants. This type of financing can provide you with the funds you need to cover expenses or invest in your business without the need for collateral or a perfect credit score. Merchant cash advances work by providing you with a lump sum of cash, which you then repay through a percentage of your daily credit card sales.

This repayment structure can help you manage cash flow fluctuations and ensure that it aligns your payments with your business's revenue. If you're interested in exploring merchant cash advances for your bar or restaurant, Business Capital USA can help you get the funds you need.


Business Cash Advance from Business Capital USA was the perfect and timely choice for my restaurant business. The funding process was relatively easy and quick. It is definitely the effective way forward for small business funding.

Jayme B., Restaurant
The funding service was exceedingly great. I appreciate the open and honest loan information and quick process of funds. I will definitely come back to Business Capital USA for my restaurant funding needs.

Arlean B., Restaurant & Café
I was in need of extra financing to upgrade my commercial kitchen. I availed restaurant financing from Business Capital USA and was not disappointed. Besides, I have nothing to worry with the manageable repayment option.

Randy E., Canteen Restaurant
My business hit a rough ground and I was in short supply of funds. I applied for merchant cash advance for restaurants with Business Capital USA and it was fabulous to work with them. Many thanks!

Christy C., Food Court