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Restaurant Expansion Loans · 2026

Restaurant Expansion Loans

Capital to open a second location, remodel, add a patio, or scale your kitchen — approved on your revenue so you can grow without draining cash reserves.

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$2MMax amount
500+Min FICO
1-3 daysFunding
5 minTo apply
$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Restaurantsany POS
No collateralfor working capital

See how much your restaurant qualifies for

$25K to $5M on any POS — approved on your revenue, funded in as little as 24 hours. Higher limits than processor-tied lenders.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Reviewed by the Toast Funding team · Updated July 2026

What is a restaurant expansion loan?

A restaurant expansion loan is capital to grow — a new location, remodel, patio, or added capacity — approved on your existing revenue rather than perfect credit (FICO 500+). Toast Funding funds $25,000 to $2,000,000 in 1-3 business days, so a proven concept can expand without waiting on a bank.

How it works

1

Apply in 5 minutes

Short application with a soft credit pull that does not affect your score.

2

Send 3 months of statements

We underwrite to your current revenue and cash flow.

3

Get your offer

Amount and terms for the expansion, shown up front.

4

Get funded

Funds hit your account, typically in 1-3 business days.

Expansion financing terms

Typical 2026 ranges for growing restaurants through Toast Funding.

DetailTypical rangeNotes
Amount$25K – $2MBased on current revenue
Term6 – 36 monthsMatched to your growth plan
CreditFICO 500+Revenue-driven approval
Speed1-3 daysAfter statements are in

Payment Calculator

Estimate your monthly payment. Adjust the amount and term below.

$2,458Est. monthly payment
$118,000Est. total of payments
48 moTerm

Estimates only, for illustration, using a sample rate. Real rates and terms are set at underwriting.

What you need to apply

  • US-based restaurant or food business
  • 6+ months in business
  • Last 3 months of business bank statements
  • $10K+ in monthly revenue
  • Valid EIN and business bank account
  • FICO 500+ (revenue-driven)

Amounts, terms & speed

Expansion financing runs from $25,000 to $2,000,000 over 6 to 36 months, priced on your current revenue and the growth plan.

Most deals fund in 1-3 business days once statements are in.

Use the calculator above to estimate your payment.

Expansion moves we fund

Second Locations

Fund buildout, deposits, and opening costs for unit two.

Remodels & Refreshes

Update the dining room, kitchen, or facade.

Patios & Capacity

Add seats, patios, or a private room to grow covers.

New Dayparts & Concepts

Launch brunch, delivery, or a spin-off concept.

When it makes sense

Frequently asked questions

Can I qualify with bad credit?
Yes — expansion financing leans on your existing revenue, so FICO 500+ regularly qualifies.
How much can I get to expand?
Amounts run from $25,000 to $2,000,000, sized to your current revenue and growth plan.
How fast can I get funded?
Most restaurants fund in 1-3 business days once we have your bank statements.
Will checking my options affect my credit score?
No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.
What can I use the funds for?
Buildout, remodel, equipment, deposits, marketing, staffing — any cost tied to growth.
Are there any upfront or application fees?
No. Applying and getting a decision is free. Any fees are disclosed in your offer before you accept.

Sources & further reading

Fund your expansion

Apply in 5 minutes with a soft credit pull. Grow the concept without draining cash.

Get Funded →

Figures and calculator estimates are typical 2026 industry examples for general information and vary by underwriting; your actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

Apply Now →

Why restaurants choose Toast Funding

Independent and POS-agnostic — a faster, higher-limit alternative to processor-tied offers. We are not Toast, Inc.

🍽️

Any POS, no lock-in

Toast, Square, Clover, Aloha, TouchBistro — keep or switch processors without losing your funding.

⚡

Funded in 24 hours

Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.

📊

Higher limits, approved on revenue

Up to $5M vs a processor cap. 500+ FICO accepted, underwritten on your deposits and sales.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your restaurant qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute