Fund your restaurant's next chapter
Restaurants require constant investment — from kitchen equipment and dining room renovations to inventory and staff. Thin margins, seasonal fluctuations, and the upfront costs of opening or refreshing a location make access to capital a persistent challenge in food service. Bay Street Lending connects restaurant owners with financing built for the food service industry, whether you're opening your first location or expanding a proven concept. Our 50+ lender network includes specialists who understand restaurant economics and can move fast — with working capital funding available in as little as six hours for qualified operators.
A restaurant buildout runs $100K–$1M+. SBA loans and equipment financing make opening or renovating feasible.
Food costs run 28–35% of revenue. Working capital helps manage inventory and payroll during slow periods.
Tourist seasons, holidays, and weather impact revenue. A credit line provides cash flow stability year-round.
Yes. Equipment financing and SBA loans can fund new restaurant buildouts. Working capital typically requires 6+ months of operating history.
Commercial ovens, refrigerators, freezers, fryers, grills, dishwashers, POS systems, and any other kitchen or front-of-house equipment.
Absolutely. Franchise restaurants often qualify more easily due to the proven business model. SBA loans are especially well-suited for franchise funding.
Working capital lenders focus on your monthly revenue more than credit scores. Restaurants doing $15K+/month with a 500+ credit score can often qualify.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.