Tool

Restaurant Loan Calculator

Estimate restaurant startup or expansion financing with buildout, kitchen equipment, opening inventory, working capital, payments, DSCR, required monthly sales, and funding gaps.

Buildout / leasehold improvements Kitchen equipment Furniture, fixtures, and POS Opening food, beverage, and supplies Permits, deposits, and licenses Working capital reserve Other startup / professional costs Borrower cash contribution Loan amount Annual interest rate % Term months Origination / guarantee fee % Fixed closing costs Projected monthly sales Food, beverage, and labor % Rent / occupancy % Other operating expense % Monthly owner pay / manager cushion Target DSCR Target debt service % of sales

Model the buildout and the unit economics together

A restaurant loan can look affordable until kitchen equipment, permits, opening inventory, lease deposits, ramp-up working capital, food and labor cost, rent, and owner pay are modeled together. Compare this estimate with the SBA 7(a) loan calculator, equipment financing calculator, franchise loan calculator, and DSCR calculator.

This calculator is an estimate for planning and comparison only. It does not replace lender underwriting, lease review, franchise or brand review, accounting advice, tax advice, health department review, or a restaurant-specific pro forma.