First Financial  
Business Loans for Restaurants

Business Loans for Restaurants

Best Business Loans for Restaurants

First Financial Offers Top-Notch Perks for Your Restaurant

Running a restaurant requires dedication, vision, and a sophisticated palette. The restaurant business can be as dicey as it is thrilling, and many parts must add up to sustain success. A First Financial business loan helps restaurant owners expand menus, add staff, and remodel for the constantly changing tastes of fickle clientele. Find out more about the advantages your restaurant get with a carefully tailored First Financial business loan, or simply apply here now!

Request More InformationIt all starts with your information request. Since every situation is unique, we make sure to directly focus on and understand our customer’s individual needs. After submitting your request, within 24 hours we will reach out to you to discuss your business loan options. Since 1996, our loans have helped more than 50,000 businesses stay current with what they want from a business lender.

If your restaurant has a proven record of profits over the years, and a solid management base, it will be in great shape to win a business loan. Tens of thousands of other businesses have benefitted from our low rates and excellent terms, and First Financial is ready to offer these to your restaurant as well!

Business Loan Perks for Restaurants

Here are some of the bonuses you’ll receive with a First Financial Business Loan:

  • Term loan rates that start at a low 5.99% annual interest rate (AIR)
  • Lines of credit starting at 13.99% annual percentage rate (APR)
  • Quick application process: on average, just 7 minutes needed for online completion!
  • Fast applicant approval
  • Transfer of money to your account in just one business day
  • An over-the-phone application with our expert loan advisors
  • Improved business credit scores with your consistent payments
  • Short list of requirements for business loan (basic business information and three months of bank statements).
  • Simple-to-use mobile & web platforms for managing your accounts securely
  • Privacy policy and proven practices that keep your personal information secure
  • Access to a loan specialist, via phone or email, from 8:00 a.m. until 9:00 p.m.

Does Your Business Qualify?

Clients frequently approach us after a previous bank rejected their loan application. We have provided capital to tens thousands of bank-rejected businesses over the years. They’ve put that money towards improving their menus, ambiance and service.

Our approved applicants need these qualifications:

  • No bankruptcy in last 2 years
  • Consistent cash flow
  • Minimum of one year in business (average borrower has been in business 6 years)
  • Based in US, Canada or Australia
  • Minimum FICO score of 500 (average customer has a 680 score)
  • $100,000 in gross annual revenue (average borrower does $500k)
  • Does business in an approved industry – while First Financial has approved businesses in hundreds of different categories, we have to say “no” to businesses in industries that are new (Cannabis, digital marketing), have high chargebacks or other unpredictable qualities. Review a complete list of the restricted industries LINK for which First Financial cannot provide business loans.

To find out if you qualify for a First Financial small business loan, apply via our application here. Our “soft” inquiry won’t affect your credit score, unless we find your credit file is restricted. Sometimes we need to contact you to lift the restriction letting us perform a hard pull. This action will impact your credit score. We will let you know immediately if we discover your credit file is restricted.

The Restaurant Industry Outlook

Will Your Restaurant Take Advantage of Current Trends?

Research from Nation’s Restaurant News reports that restaurant patronage will continue to increase in the coming years. New options like “quick-service” (Chipotle, Luna Grill) models and the additional locations needed to serve a growing population keep consumers interested in eating out. Of the 21 meals Americans consume weekly, five or six are obtained away from home. [1]  Luckily for restaurant owners, the population still sees dining out as a necessity.

Technological advances in customer ordering should help offset increased restaurant labor costs. Customers, millennials especially, enjoy using their smartphones or computers to order a meal online in advance, join an email list for occasional coupons or special deals, or even utilize an app for added restaurant perks. A 2017 survey from Restaurant Business found, “78% of consumers say their experience using an automated service was positive.”[ii]   Renowned research firm McKinsey believes that by 2025, many will order food from a restaurant and have it delivered by an autonomous vehicle.[iii] Technological upgrades take capital, however. First Financial’s business loans for restaurants ensure you’re ahead of the trend rather than behind it.

A First Financial Business Loan Will Keep Your Restaurant Secure into the Future

No matter the national trends or technologies ahead, restaurants will always need capital infusions from time to time. With services fully online, First Financial gets your loan approved without the hassle of face-to-face banker meetings. Applications, statements and notices all arrive via your laptop, tablet or smartphone. We also offer a fast and simple application process, low interest rates, and loan advisors available to you whenever you need them. Apply here today!





First Financial

First Financial ® Corporate Headquarters 2850 Womble Road Suite 100-604 San Diego, CA 92106

Client Service Center: Main: 1-800-315-7791 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)

Merchant Services / High Risk Merchant Accounts: 1-800-950-0212 Fax: 1-800-215-0217


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