Restaurant Property Loans
Restaurant brands are built on location, consistency, and guest experience—and the underlying real estate is a critical part of that equation. AVANA Companies structures restaurant property loans for both owner-operators and investors, pairing SBA 504 and conventional term financing with a private-credit platform that understands the dynamics of food and beverage concepts.
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SBA 504 Loans
Built for Growth
Fixed-Rate, High LTV (Up to 90%), Long-Term CRE Loans for Owner-Occupied Properties
Backed by $5B+ in SBA lending expertise. Fast, transparent closings tailored for small businesses and brokers.
Flexible Capital for the Restaurant Industry
Loan Options for Restaurants Properties
SBA 504 Loans
Explore SBA 504 Program →
Conventional Term Loans
Explore Conventional Program →
Key Terms & Structures
Rates and structures vary depending on loan type and borrower qualifications
Loan Sizes
Generally $1MM to $18MM, depending on property profile, operating performance, and program
Terms
Conventional term loans up to 10 years, with amortizations that may extend longer.
SBA 504 structures with debentures up to 25 years.
Leverage
Up to 75% LTV on many conventional structures.
Up to 90% total project costs in qualifying SBA 504 executions.
Pricing
Generally indexed to CMT or Treasury benchmarks, with program-specific spreads.
Acquire owner-occupied restaurant properties or leased locations.
Refinance existing debt, potentially including cash-out for eligible business and property needs.
Fund build-outs, remodels, and brand refreshes required by franchisors or market positioning.
Support rebranding or conversion to new concepts within the same footprint.
Finance expansions to additional locations when supported by performance and credit standards.
For Investors: Why Restaurant Loans Matter
- Secured exposure to operating businesses that drive daily traffic and local spending.
- Collateral in the form of well-located retail pads, in-line suites, or freestanding buildings with established customer bases.
- Potential for attractive yields when underwritten with disciplined LTVs and realistic sales assumptions.
Submit Application
Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1 business day
Review
We review initial documents and confirm loan structure and key terms. If the deal meets criteria, we issue a Letter of Intent with proposed terms
Approval & Terms
We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)
Closing & Funding
We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met
Proven Success Stories
We’ve helped businesses across industries
Frequently asked questions
Ready to Get Started?
Insights
Our Team
About Sanat Patel
As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.
Our Team
About Christyna Lane
As a lending participation expert in Southern California, Christyna Lane manages the direct loan placements for AVANA CUSO, a Member of the AVANA Family of Companies, with lenders like credit unions, community banks and other financial institutions while establishing and maintaining relationships for the organization. Joining the CUSO team in 2014, she works in connection with lenders nationwide to assist them in reaching their commercial lending goals and diversifying their portfolio.