The restaurant business runs on timing — but traditional lenders rarely move fast enough.
Whether you’re expanding your dining space, opening a second location, or upgrading equipment, private funding for restaurants offers the flexibility, speed, and capital access needed to keep your business growing.
At Grammont Enterprises, we specialize in helping restaurant owners secure funding that works in the real world — without the long wait times or rigid restrictions of traditional loans.
Why Traditional Restaurant Loans Fall Short
Most restaurant owners face three common funding challenges:
• Long approval times — banks can take months to decide.
• Strict collateral requirements — few restaurants own property.
• Personal guarantees — putting your home or savings at risk.
That’s why many successful operators are moving toward private restaurant business loans.
Private funding evaluates your concept, revenue potential, and management experience, rather than relying solely on credit or collateral.
(External resource: National Restaurant Association – Financing Restaurant Growth)
How Private Restaurant Funding Works
At Grammont, we tailor every loan to your business model and growth goals. Our programs include:
• Expansion loans for new locations or renovations
• Working capital loans to manage seasonal cash flow
• Equipment financing for kitchen, POS, or technology upgrades
• Acquisition funding to purchase an existing operation
Unlike traditional loans, our Funding Options allow you to use proceeds where they make the biggest impact — giving you the freedom to invest where your restaurant needs it most.
The Advantage of Private Lending for Restaurant Owners
Private funding offers three clear advantages:
- Speed: Decisions within days, not months.
- Flexibility: No set limits on how funds are used.
- Protection: Many programs require no personal guarantees.
Through our 90/10 Funding Model, we can fund up to 90% of your project while helping you structure the remaining 10% if needed.
This model allows you to expand without draining your reserves — a major advantage in a fast-moving industry.
Preparing to Apply for Private Restaurant Funding
You can position your restaurant for approval by:
• Maintaining accurate revenue reports and cash-flow statements
• Having a growth plan that shows ROI from new investment
• Identifying how funding supports long-term stability
Download our Funding Checklist to make sure you have everything ready before you apply.
A Real-World Example
A multi-unit restaurant group in the Mid-Atlantic came to Grammont after being turned down by their bank for an expansion loan.
Within weeks, we structured private financing under our 90/10 model — funding equipment upgrades and the launch of a new concept.
The result: new jobs created, higher margins, and the ability to reinvest profits into additional locations.
If your restaurant is ready to grow, don’t wait for bank approvals.
Book a Funding Strategy Session today to learn how Grammont Enterprises can help you expand, renovate, or acquire with confidence.