FINANCE OPTIONS

^£100k Restaurant Business Loan – Apply and Get Funded Today

Q: What amount can I borrow with a £100k restaurant term loan request

For unsecured term loans, typical qualifying SME amounts are often around £25,000 to £150,000, with £100,000 a common target size. Secured lending can range roughly from £50,000 to £500,000+ depending on security value and affordability. Asset-backed options often sit around £30,000 to £250,000 based on financeable asset value and advance rate.

Q: How long does a decision usually take

Decision times vary by structure. Unsecured term loans are often assessed in around 3 to 10 working days for an initial decision. Asset-backed routes commonly take about 1 to 3 weeks. Secured term loans can take roughly 1 to 4 weeks, since valuations, legal work, and underwriting checks may be needed.

Q: What interest rate range should I expect

Interest rates are quoted differently across lenders, but a realistic broad context for unsecured SME lending is often around 8% to 18%+ APR equivalent. Secured pricing is frequently quoted lower in a broad range of about 6% to 15%+ APR equivalent. Asset-backed pricing is often discussed within roughly 7% to 16%+ APR equivalent, depending on the asset, term, and borrower risk.

Q: Which loan type is right for restaurants

It depends on how you want to fund the project and what evidence you can provide. Unsecured term loans suit businesses that can demonstrate affordability from bank turnover and margins, and may involve director personal guarantees. Secured term loans can fit when you can offer security and have a repayment plan supported by valuations. Asset-backed term loans rely on financeable equipment assets and require verification and condition checks.

A £100k restaurant business loan is typically structured as a UK SME term loan. A lender advances a lump sum and you repay it in regular instalments over an agreed period. Restaurants often use this kind of finance for fit-out or kitchen equipment, to refinance expensive short-term debt, or to smooth cash flow around trading cycles. With a predictable repayment schedule, many operators can plan for payroll and supplier payments more confidently, while lenders run affordability assessments based on turnover, margins, and existing commitments.

Business Loan

Secure up to £1,000,000 in Business Loan with Funding Agent.

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

Apply Now

Why a £100k term loan can fit restaurant plans

For restaurants, a term loan is commonly used to fund tangible priorities and manage repayments across months. It can also replace higher-cost facilities, helping you simplify outgoings. Below are practical reasons businesses choose a £100k term-loan approach, including typical interest-rate ranges and how long an initial decision can take.

For more on suitable options for this kind of use case, see fit-out and refurbishment finance.

Fixed monthly repayment

Lump sum for key spend

Refinance high-cost debt

SCALE YOUR BUSINESS TO NEW HEIGHTS

Term loan types for £100k restaurant borrowing

Unsecured term loan (personal/guarantee likely)

Unsecured term loans for restaurants typically suit established businesses with trading history and evidence of affordability. Lenders often review bank turnover, margins, and existing commitments, and may ask for director personal guarantees depending on the deal.

Unsecured term loan (personal/guarantee likely)

For a £100k restaurant need, an unsecured term loan can be a route when you want borrowing without asset-based security. Eligibility is usually geared towards trading history, stable or improving turnover, and no recent adverse credit events. Underwriting commonly considers realisable cash flow and affordability, with restaurant cash-flow volatility scrutinised. Decision times are often around 3 to 10 working days for an initial view, with final outcomes depending on the strength of your financial evidence.

Secured term loan (property or business assets)

Secured term loans may suit restaurants seeking larger or longer financing, where security can reduce lender risk. Expect extra steps such as asset coverage checks, valuations, and legal documentation, which can extend the timeline.

Secured term loan (property or business assets)

A secured term loan is often structured with a charge over business assets, and in some cases property security. For £100k, this is within typical lending ranges where the repayment plan and security coverage align. Terms are commonly 36 to 84 months, with rates often quoted in a lower broad range than unsecured SME lending. Decisions can take around 1 to 4 weeks, as valuations, underwriting checks, and legal work are usually required before drawdown.

Asset-backed term loan (equipment/stock-backed)

Asset-backed term loans for restaurants rely on financeable assets, most commonly kitchen equipment. Lenders assess asset existence, condition, and insurability, then match repayments to the expected useful life.

Asset-backed term loan (equipment/stock-backed)

With asset finance term loans, eligibility depends on whether you can identify and verify financeable assets that are not already fully encumbered. For restaurants, eligible assets are often equipment, with stock less common due to valuation and control needs. Typical amounts can reach around £30,000 to £250,000 depending on eligible asset value and advance rate. Decisions are often around 1 to 3 weeks, especially when a site inspection or equipment verification is needed.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How Funding Agent helps you access a £100k term loan

Tell us your £100k need

Share your business details, trading location(s), and exactly what the finance will fund, such as fit-out, extraction or ventilation upgrades, kitchen equipment, or refinancing. Provide a clear picture of your current facilities and any existing loans or overdrafts. To start the process, complete the online application form and tell us the basics.

We shortlist likely lenders

Funding Agent reviews your information to match you to unsecured, secured, or asset-backed approaches. You also receive guidance on preparing the application pack lenders expect, focusing on the evidence they use for loan eligibility and creditworthiness assessments.

Submit and track decision

We help you submit the application and respond to lender questions, including requests for financials and use-of-funds detail. You will be supported through underwriting until you receive an offer and confirm next steps for drawdown timing.