Restaurant Business Loans: Is Long-Term Financing Right for You?

Last Updated on April 2, 2018

For many restaurant owners, short-term restaurant business loans provide the fast access to capital they need to accelerate the growth of their business. However, if you’re a restaurant owner with plans to use restaurant business loans in order to:

  • Purchase, Expand, or Remortgage Commercial Real Estate
  • Open a Franchise Location
  • Start a New Business
  • Make Ongoing, Unexpected Purchases
are restaurant business loans with long terms right for your business asks the chef with a platter

Consider Long-Term Restaurant Business Loans

The Business Financing Advisors at National Business Capital suggest securing restaurant business loans that offer larger amounts, and longer terms to accomplish these sort of goals. Here are a few long-term restaurant business loans offered by National that restaurant owners nationwide are using to grow and expand their business:

Commercial Mortgage Loans

With loan amounts ranging from $500,000—$10 million, and term lengths ranging between 15-25 years, these restaurant business loans are specialized to help purchase, expand, and remortgage new and existing restaurants. With low rates, and the ability release equity, National Business Capital’ financing advisors are helping restaurant owners reclaim ownership of existing establishments, as well as purchase new locations.

Franchise Financing

McDonald’s, Dunkin Donuts, Taco Bell and Subway are just a few examples of the many restaurant franchises National Business Capital has helped purchase new or additional locations.
With competitive loan terms and a fast access to funding, franchises across the country are turning to National Business Capital for these specialized restaurant business loans. Opportunities for the growth and expansion of a franchise can be fleeting—franchise financing through National ensures fast funding to take immediate advantage of good fortune.

Business Lines of Credit

Although not technically a restaurant business loan, National Business Capital is flooded with applications for business lines of credit from restaurant owners who require immediate access to cash on-hand for unexpected purchases.
All restaurant owners know: stuff happens.

  • Food spoils.
  • Ovens stop working.
  • Pipes break.
  • Ceilings leak— the list goes on.

On the flip side, good stuff happens too.
Business lines of credit are incredibly popular financing options among restaurant owners who contact National Business Capital, as they help their restaurants prepare for Spring by granting the ability to take immediate action for any circumstance. When faced with an unexpected challenge, or an exciting opportunity for growth,  business lines of credit grant access to capital as needed, and only require payment for what you use.

Something to Keep in Mind:

Many restaurant owners who contact National Business Capital are convinced that they require long-term financing options for short-term business needs. In some cases, these truly are the perfect business financing options. In others, National’s financing advisors suggest exploring the large variety of other financing options they have to offer, which may have terms that better fit their business needs.
Committing to repayment terms that span many years may restrict restaurants from being able to overcome future challenges, and take advantage of opportunities for growth down the road. With help from National’s financing advisors, many restaurant business owners secure restaurant business loans that they previously weren’t aware of, including equipment loans and merchant cash advances, and wind up saving thousands of dollars per year as a result.

Are Long-Term Restaurant Business Loans Right for You?

Contact National Business Capital’ expert financing advisors at (877) 482-3008, available 24/7 to answer any questions, and help you decide if long-term financing is right for your business. Or, fill out National’s 1-page, 1-minute application online, and get approved in as little as 24 hours.

National Business Capital is the #1 FinTech marketplace offering small business loans and services. Harnessing the power of smart technology and even smarter people, we’ve streamlined the approval process to secure over $1 billion in financing for small business owners to date.

Our expert Business Financing Advisors work within our 75+ Lender Marketplace in real time to give you easy access to the best low-interest SBA loans, short and long-term loans and business lines of credit, as well as a full suite of revenue-driving business services.

We strengthen local communities one small business loan at a time. For every deal we fund, we donate 10 meals to Feeding America!


About the Author, Megan Capobianco

Megan is passionate about helping business owners along their journey - providing them with relevant content they can use in their day-to-day operations.

Disclaimer: The information and insights in this article are provided for informational purposes only, and do not constitute financial, legal, tax, business or personal advise from National Business Capital and the author. Do no rely on this information as advice and please consult with your financial advisor, accountant and/or attorney before making any decisions. If you rely solely in this information it is at your own risk. The information is true and accurate to the best of our knowledge, but there maybe errors, omissions, or mistakes.