A second location is the most consequential decision in a restaurant operator's growth path. Here is the funding playbook and operator framework.
Total: typically $500K-$2M for a second location, depending on concept and market.
Most operators use a combination: - SBA 504 for real estate purchase if buying the building - Equipment financing for kitchen/POS - Working capital from a direct private lender for pre-opening payroll, inventory, marketing - Existing cash flow for ongoing operations
Frequently Asked
$500K-$2M typical, varies by concept (quick-service vs full-service) and market.
Underfunding working capital reserve. Cash runs out 4-6 months in before the new location is profitable.
SBA for real estate (lowest rate, longest term). Private direct lender for pre-opening payroll, inventory, marketing (faster, more flexible).
5-minute application. Soft credit pull only. Approved businesses funded within 24 hours.
Approved on your revenue, not just your credit. Start your 1-minute application.
We underwrite restaurants only — and fund the way you actually operate.
Full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Approved on your deposits, not just your score. Funded in as little as 24 hours.