Top 5 Restaurant Loans: Get the Funding You Need to Grow Your Business

Running a restaurant is both rewarding and challenging. From managing daily expenses to expanding your business, having the right financial support is crucial. That’s where we come in! As a trusted business loan brokerage, we help restaurant owners secure the best loan options tailored to their needs.

Whether you're looking to renovate, rebrand, hire more staff, or open a new location, we connect you with the best lenders and most competitive rates. Let’s explore the top five most popular restaurant loan options and how they can help your business thrive.

5. Renovation Loans – Upgrade Your Space & Boost Customer Experience

Your restaurant’s ambiance is just as important as your menu. Whether it’s upgrading your kitchen, remodeling your dining area, or adding outdoor seating, a renovation loan can provide the capital you need to make improvements that attract more customers and enhance efficiency.

✅ Upgrade furniture and décor
✅ Modernize kitchen equipment
✅ Expand your restaurant space

4. Rebranding Loans – Give Your Business a Fresh New Look

If your restaurant needs a revamp to stay competitive, a rebranding loan can help cover the costs of a new logo, signage, menu redesign, and even marketing campaigns to reintroduce your business to the market.

✅ Refresh your brand identity
✅ Invest in a new marketing strategy
✅ Stay relevant in a competitive market

3. Hiring Loans – Expand Your Team & Improve Service

As your restaurant grows, so does the need for a strong, skilled team. A hiring loan can help you cover payroll, recruit top talent, and train new employees to enhance customer service and keep operations running smoothly.

✅ Hire experienced chefs and staff
✅ Expand your front-of-house and kitchen teams
✅ Offer competitive wages to attract top talent

2. Expansion Loans – Open a New Location with Confidence

Dreaming of expanding your brand? A new location loan can help cover everything from securing a lease to purchasing equipment and hiring staff. Don’t let financial barriers stop you from taking your restaurant to the next level.

✅ Secure prime real estate for your next location
✅ Purchase new kitchen equipment and furnishings
✅ Fund grand opening marketing campaigns

1. Working Capital Loans – Keep Your Cash Flow Strong

Unexpected expenses? Seasonal slowdowns? A working capital loan gives you the flexibility to manage daily operations without financial stress. Whether it’s paying suppliers, handling emergencies, or bridging gaps in revenue, working capital is the lifeline that keeps your business running smoothly.

✅ Cover rent, utilities, and inventory costs
✅ Manage cash flow during off-seasons
✅ Handle emergency repairs or unexpected expenses

We Find the Best Restaurant Loans for You!

No matter your restaurant’s financial needs, we specialise in finding the best loan options from top lenders—saving you time, hassle, and money. Our process is fast, easy, and tailored to your business goals.

Call the BusinessLoans.ie team on 01 55 636 55 to explore your restaurant loan options! Let’s fuel your success.

Or APPLY HERE.

Top 5 restaurant business loan quotes in Ireland 2021

Many business owners in the hospitality trade whether restaurant, gastropub, bistro, cafe or hotel are getting going again. The good news is, there are restart business loan solutions available now. We’re here to organise loan quotes from the best alternative finance companies in Ireland. Here are the top 5 restaurant loan quotes business owners are asking us about.

5. RESTAURANT RENOVATION

Your restaurant may need alterations, whether that’s for indoor or outdoor dining, kitchen alterations or the next door unit is now available and you can expand.

4. COVID SAFETY EQUIPMENT

To keep your customers and staff safe you may need air monitoring equipment, HVAC upgrades or HEPA 14 air filtration systems as recommened by the World Health Orginization.

3. HIRING NEW STAFF

If you have been closed for a while you may need to hire and train new staff to get going again.

2. NEW LOCATION

If your business has been one of the lucky ones thriving on takeaway trade you could be ready to expand.

1. WORKING CAPITAL

Your working capital could be low and you need cash in the bank for everyday business expenses.

BusinessLoans.ie is here for you 7 days to organise fast finance quotes on 01 55 636 55 or email hello@businessloans.ie.

Business loans for hotels, restaurants & bars

If you have a business that’s been closed or operating on a reduced capacity such as hotels, restaurants or bars you may need working capital or funds to make adjustments for Covid safety. BusinessLoans.ie can organise fast finance quotes from the best alternative finance companies operating in Ireland.

If your business has been completely shut down or trading on a reduced capacity there are some loan options tailored to help you restart. Lenders will review how you were trading pre-lockdown to help make decisions. Other lenders will look at your card machine data and offer a review once you have a boost in trade. Talk to us today. Email hello@businessloans.ie or call 01 55 636 55.

BusinessLoans.ie April 12th Hospitality Grants and Loans Update

As of Monday April 12th it’s okay for bars & restaurants to serve takeaway alcohol to customers. While takeaway pints were never against the law most businesses complied with the government request. As Micheál Martin poetically said “forget about takeaway pints”. However, now that people can travel freely within their county, or 20km from home if crossing county borders restaurateurs & publicans will see increased trade. Under licensing laws, there is a requirement for the sale of takeaway alcohol that it must be consumed a minimum of 100 metres from the premises where the drink was originally purchased.

The Outdoor Dining Enhancement Scheme

To combat the effects of Ireland’s mixed weather on your business, you could benefit from a grant up to €4000. It is for shelter & outdoor dining infrastructure and you can be prepared for full reopening & ending of the 100 metre rule. You can get this government grant only if you have a business that serves food. The scheme gives you 75% ex VAT of the cost of equipment purchased / installed, up to €4,000 per applicant. Only items purchased after June 1st, 2020 & up to September 30th, 2021 are eligible. Local Authorities administer it so you would need to reach out to them to claim this, or get more information from your Local Enterprise Office.

Loans

BusinessLoans.ie will be able to assist businesses with loan quotes as your trade improves. We are monitoring the situation with alternative lenders and their appetite for lending. The rule of thumb has been if the business is not currently trading they’re reluctant to quote. The first finance option likely to be available is based on your card machine. The partner credit teams will see how you were trading before the pandemic and look at the trade you’re doing when you reopen and hopefully make an offer. Then all going well, will top up the finance facility as turnover increases as lockdowns further ease.

There are other loans that will become more available as trade increases, from simple unsecured loans to asset finance for perhaps a food truck. We’re hearing Local Authorities are more open to offering places to pitch and this could be an important revenue stream to pivoting hospitality businesses this summer.

Talk to us about your situation. We’re here for you to organise loan quotes on hello@businessloans.ie or call 01 55 636 55.