• Restaurant Loans

    Sustaining and growing a restaurant requires solid financial backing. That's where Camino Financial comes in. With extensive experience in supporting the food industry, our restaurant loans are designed to meet your unique needs. Let us help you fuel your restaurant’s growth and unleash its full potential.
  • Can Your Restaurant Benefit From a Business Loan?

    A business loan can significantly enhance your restaurant's growth and stability by providing the capital it needs. It can also offer a financial cushion during cash flow shortages, allowing uninterrupted operations and avoiding layoffs.


    With the influx of funds, you can enhance the dining experience for your customers.


    Ultimately, a business loan can be a strategic tool, empowering your restaurant to innovate, expand, and ultimately succeed in achieving its goals.

  • Camino Financial’s Restaurant Loans

    • Varied loan amounts

    • Fixed

      Interest rates

    • Repayment terms

  • Why Choose Camino Financial

    Scaling up or maintaining the operational smoothness of a restaurant demands a robust financial strategy. At Camino Financial, we understand the unique financial needs of restaurants, that’s why we tailor our products to provide you with the capital you need. Whether it's renovating your space, upgrading kitchen equipment, or expanding your staff, our loans provide the capital you need to elevate your restaurant to new heights.
    Confident businessman reviewing financial documents on laptop in a bright cafe, with a cup of coffee.
  • Our Basic Business Loan Application Requirements

    Have an SSN

    Business in operation for a minimum of 12 months

    Annual sales above $30,000

    Current on outstanding credit obligations

    No filed tax liens, judgments, credit freezes, or bankruptcies in the past 24 months

    Must operate within permitted industries and states

  • Compare Lending Options

    AmountLoan Payback PeriodMinimum Score1Min. Time in BusinessMin. Annual IncomeCollateral needed?
    Camino Financial$10,000 - $50,00024 months67012 months$ 30,000NO
    Other Business Term Loans*$10,000 - $30,0003 - 36 months6802 years$ 200,000YES
    Line of Credit*$10,000 - $1MVaries6301 year$ 180,000YES
    Merchant Cash Advance*Up to $500,0003 - 12 monthsN/A1 year$50,000NO
    Invoice Financing*Up to 90% of the invoice valueVaries5001 year$ 130,000YES
  • Benefits Of Choosing Camino Financial

    ● Our application process is 100% online ● We are committed to transparency, data security and privacy ● Fixed, competitive, and straightforward repayment terms ● We don’t have any early prepayment penalties
    Two professionals warmly shaking hands in a meeting, signifying a successful funding partnership.
  • Smiling black woman with a laptop
  • Read What Our Customers Are Saying

    Join 9,000+ people choosing Camino Financial

  • What Are Restaurant Loans Used For?

    1

    Equipment Purchases

    Capital is used for acquiring new or upgrading kitchen and service equipment, crucial for operational efficiency.

    2

    Menu Development

    Research, develop, and test new menu items, ensuring they meet customer expectations and culinary trends.

    3

    Renovation and Remodeling

    Loans finance updates to make spaces modern and expand capacity, enhancing the customer experience.

    4

    Inventory Management

    Loans enable restaurants to buy food supplies and dining essentials in bulk, optimizing costs and ensuring a steady supply.

    5

    Marketing and Advertising

    Financing supports campaigns to attract and retain diners, crucial for business visibility and growth.

    6

    Opening New Locations

    Loans provide the significant capital needed to establish new outlets, covering various startup expenses.

    7

    Technology Upgrades

    Investing in modern systems improves efficiency and customer service, funded through loans.

    8

    Staff Training and Development

    Investing in staff training ensures high-quality service, as well as valuable professional development initiatives.

    Confident businesswoman with arms crossed, symbolizing successful restaurant financing.
  • We Offer Convenient Loan Management

    Get a visual overview of loan status. Track payment history and request more capital through your personalized member account portal.
  • How To Apply For Business Financing

  • FAQs

    Yes. As a BBB-accredited business with an A+ rating and an average of 4.2 stars across more than 400  reviews prove it.

    Camino Financial uses the same technology that banks use to protect your private information.

    • Have a Social Security Number (ITIN is not accepted).

    • Business must have been operational for at least 12 months.

    • A credit score of 670 or higher is required.

    • Specialty Trade Contractors with a FICO score of 650 or above.

    • Must have annual sales exceeding $30,000

    • Must be up-to-date on all existing credit responsibilities.

    • No record of tax liens, judgments, credit .freezes, or bankruptcies in the last 24 months

    • Not operating in prohibited sectors.

    • No businesses that have secured an HCD loan within the previous 90 days.

    • Not located in HI, NJ, PR, MI, NV, or the Caribbean Islands.

    No, you need to be a United States citizen with an SSN to qualify for a business loan through Camino Financial.

    No, we cater our business loans to businesses that have established credit history.

    No, we don’t require any type of collateral, only a UCC lien.

  • Keep Reading

    illustration of couple eating

    How to Get Restaurant Financing

    Read more
    illustration of couple at a table

    Restaurant Equipment Financing: The Best Lending Options & Everything You Need To Know

    Read more
    illustration of a man holding a dollar bill

    Restaurant Business Plan: A Short Guide on How to Start

    Read more
    illustration of a chef climbing revenue stairs

    How to Increase Restaurant Sales: Best Ways to Grow Your Business

    Read more
    illustration of a chef looking at a calculator

    What is the Profit Margin in Restaurants?

    Read more
    illustration of a chef looking at different types of food

    Most Popular Types of Restaurants in the US

    Read more
  • Camino Financial does not extend small business loans to businesses operating within these industries: Transportation, Warehousing, Real estate, Financial investing or processing, Cannabis industries, Adult entertainment, Car dealerships, Credit unions, and other sectors Specialty Trade Contractors require a FICO score of 650 or above. No businesses that have secured an HCD loan within the previous 90 days. Not located in HI, MI, NV, NJ, PR, MA, NY, ND, OH, PA, or TN; plus IN, NE, or WV for Sole Props. *Other loan options are reviewed on a quarterly basis

  • Stay connected

    Join a community of over 40,000 micro-entrepreneurs for access to informative resources, helpful tips, and best practices on growing your business

  • Mission-driven company

    Camino Financial is a nationally certified Community Development Financial Institution (CDFI) with oversight by the U.S. Department of Treasury. By partnering with other mission-aligned organizations, Camino Financial is able to pool and distribute low-cost funding and educational resources to underbanked minority-owned businesses. Camino Financial is headquartered in Los Angeles, California with supporting offices in Mexico City, Mexico.

© 2024 by Camino Financial, Inc. All Rights Reserved. Camino Financial is a Licensed Finance Lender & Broker in California under its subsidiary Salas & Company LLC.
Camino Financial Better Business Bureau A+ accredited businessCloudflare
fundation

11501 Sunset Hills Rd, Reston, VA 20190 | info@caminofinancial.com| Tel (800) 852-0655

NMLS License: Salas & Company LLC #2186459 | CFL License: Salas & Company LLC (DBA Camino Financial) #60DBO-43053

CDFI Certification Number: 181CE054231