Buying an existing restaurant gives you a history and a customer base. Buying your building ends the rent and builds wealth. Both are big moves, and both are financeable.
Lenders look at the restaurant’s past tax returns and sales, the price compared to what it earns, the lease, and your experience. SBA 7(a) loans are commonly used for business acquisitions.
Commercial real estate loans and the SBA 504 program are built for owner-occupied property. Owning the building turns rent into equity, but needs a down payment and strong records.
Get the seller’s financial records early, check the lease or the property carefully, and talk to lenders before the deal is final, so financing does not become the reason a good deal falls apart.
We compare acquisition and real estate lenders, prepare the file, and help you see whether the price and the payments make sense before you commit.
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Yes. SBA 7(a) loans are commonly used to buy existing businesses, including restaurants.
Yes. Commercial real estate loans and the SBA 504 program are designed for owner-occupied property.
The restaurant’s financial history, the price, the lease or property, and your experience running restaurants.
General information, not financial or legal advice. Dracarys Finance LLC is a commercial finance broker, not a lender. All credit decisions and terms are set by third-party lenders and investors.
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SBA loans are among the cheapest money a restaurant can get. They are also among the hardest to close. Preparation makes the difference.
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