FINANCE OPTIONS

^£900k Restaurant Business Loan – Apply for Funding Today

Q: How much can a restaurant borrow with a £900k term loan request

Borrowing capacity commonly starts at £25,000 and may reach £900,000+ for eligible cases. The amount typically depends on trading history and profitability, cashflow strength, number of sites and operational stability, existing liabilities, and the availability, value and acceptability of security or guarantees.

Q: How long does it take to get a restaurant term loan decision

Initial screening is often 1 to 3 weeks. Some cases can take up to 4 to 6 weeks where lease, security or project checks add complexity. After approval, funds are commonly available after further legal and security steps, often with an additional 1 to 3 weeks, depending on the work required.

Q: What interest rate ranges apply to restaurant term loans

Typical UK context for secured SME restaurant term loans is often high single digits to mid-teens for stronger secured cases. Unsecured or higher-risk cases can be mid-teens up to low-to-mid 20s. Your final pricing depends on risk, term length, security or guarantees, and whether the rate is fixed or variable.

Q: Which term loan type fits a restaurant best

Three common routes are secured term loans, unsecured or partially secured term loans, and term loans for leasehold improvements. Secured deals usually suit higher-value, asset-supported cases. Unsecured or partially secured options can fit profitable businesses with limited security, sometimes with guarantees. Leasehold improvement financing targets specific premises upgrades and often requires extra lease checks.

A £900k restaurant business loan is typically provided as a term loan, meaning the lender advances a lump sum and you repay it in scheduled instalments over an agreed period. Restaurants often use this type of finance to fund essential kitchen and cold-chain equipment, refurbishment and compliance upgrades, or refinancing to smooth cash flow. Funding decisions usually focus on whether your cash flow can support repayments, using evidence such as recent trading performance and bank statements. For larger amounts, lenders may also consider additional security or guarantees depending on the risk profile.

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Why restaurants use a term loan for up to £900k

For restaurant businesses aiming for a term loan around £900k, the value is in structured funding and repayment certainty. Lenders commonly assess cash flow, then consider security and your use-of-funds plan. Decision time is often 1 to 4 weeks for straightforward cases, and can extend with extra underwriting around lease or security. Pricing may be fixed or variable, with typical secured SME ranges often in the high single digits to mid-teens.

Predictable repayment planning

Lump sum for major capex

Debt consolidation visibility

SCALE YOUR BUSINESS TO NEW HEIGHTS

Term loan types for restaurant businesses

Secured term loan

Often suitable when your restaurant has established trading, clear repayment capacity, and either assets or other support that reduces lender risk. Lenders typically expect up-to-date tax and accounts, an acceptable credit profile, and serviceability based on recent bank turnover.

Secured term loan

Secured term loans are designed for higher-value needs, with typical lending amounts usually starting around £150,000 and going up to £900,000+. Terms are commonly 36 to 84 months, sometimes longer where security is stronger. Pricing is often quoted as a fixed or variable rate, with typical secured SME ranges frequently in the high single digits to mid-teens, depending on risk and structure. Decisions are often 1 to 4 weeks for straightforward cases.

Unsecured or partially secured term loan

More likely where you have profitable, stable turnover but limited security. Lenders still assess repayment capacity and credit history, and may request personal guarantees depending on the company profile.

Unsecured or partially secured term loan

Unsecured or partially secured term loans are commonly used for targeted needs such as urgent equipment replacement, a single-site refurb, or bridging between paying suppliers and customer receipts. Typical amounts are often £25,000 to £500,000, with £900k being less common without security or additional support. Terms are often 12 to 60 months, with decisions frequently around 1 to 3 weeks when bank statements and documents are ready. Representative unsecured pricing can be mid-teens up to low-to-mid 20s.

Term loan for leasehold improvements

Made for funding upgrades at a specific premises where lenders can assess the trade at that location. Eligibility commonly includes a viable lease and evidence that the operator can sustain repayments after the works.

Term loan for leasehold improvements

This type of term loan is commonly structured around the useful life of the improvements and the lease term. Typical funding is often £100,000 to £750,000 for site-focused projects, with £900,000 possible mainly in multi-site or group structures where lease and security arrangements support the request. Terms are often 24 to 72 months. Pricing can sit between secured and partially secured ranges, commonly high single digits to mid-teens for stronger cases. Decisions are often 2 to 6 weeks due to added lease and project checks.

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 secure a term loan

Share trading, funding and use-of-funds

Tell us the target amount, the reason for funding such as refit, equipment or refinancing, and the preferred repayment term. You also share basic information about your restaurant(s), ownership and trading history, so we understand your repayment capacity and context.

Start your application using the online application form so we can review your details.

We match lenders and prepare your pack

Funding Agent reviews your documents and use-of-funds story, then matches you to suitable UK lenders for term loans. We help shape the application pack around the underwriting themes lenders use, including cashflow evidence and any relevant security or lease considerations.

Apply, answer questions and track

We submit your application for lender review, coordinate any follow-up questions and guide you through what is needed to reach a decision and drawdown stage. If staged release is relevant, we help you understand how lenders may release funds against project milestones.