Commercial
Restaurant Loan
Secure the funding you need to launch, expand, or renovate your restaurant with CMRE's Restaurant Loan program. Starting at a competitive rate of 8.5%, this commercial loan offers flexible terms and supports your culinary vision. With CMRE, accessing capital for your restaurant has never been easier.
Program Benefits
Competitive interest rates starting at 8.5% to maximize profitability.
Financing available for acquisition, renovation, or expansion projects.
Flexible repayment options to align with your restaurant's cash flow.
Streamlined application process for quick access to capital.
Expert guidance from experienced commercial loan specialists.
Boost your restaurant's growth potential with tailored financing solutions.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$50,000 - $5,000,000
Amortization Options
Eligible Properties
- Freestanding Restaurant
- Strip Mall Restaurant
- Restaurant within a Commercial Building
Program Requirements
Income Documentation
- •Demonstrate a consistent revenue stream with detailed financial statements.
- •Provide a comprehensive business plan outlining projected income and expenses.
- •Submit at least two years of tax returns to verify financial stability.
- •Show proof of sufficient cash flow to cover loan repayments.
Asset Verification
- •List all business assets, including real estate, equipment, and inventory.
- •Provide appraisals or valuations of significant assets to determine their value.
- •Show proof of ownership for all listed assets.
- •Maintain a healthy balance sheet demonstrating strong asset-to-liability ratio.
Insurance & Title
- •Maintain comprehensive business liability insurance coverage.
- •Provide proof of property insurance to protect against damages.
- •Acquire worker's compensation insurance if you have employees.
- •Ensure adequate coverage to protect against potential risks and liabilities.
Property Requirements
- •Maintain a minimum FICO score of 640 to qualify for favorable terms.
- •Demonstrate a history of responsible credit management.
- •Provide a detailed credit report showcasing your creditworthiness.
- •Address any past credit issues with documented explanations.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Restaurant loans can be used for a variety of purposes, including purchasing or renovating a restaurant space, buying equipment, covering operational expenses, and expanding your business.
The term length for a restaurant loan can vary depending on the lender and the specific loan product. Terms can range from 5 to 25 years, with shorter terms typically offered for equipment financing and longer terms for commercial real estate loans.
The amount you can borrow depends on factors such as your credit score, financial history, and the value of your collateral. CMRE offers restaurant loans ranging from $50,000 to $5,000,000, allowing you to secure the funding you need to achieve your business goals.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
