Home / Industries / Restaurants & hospitality
Restaurant & hospitality funding
Funding for restaurant groups ready for the next location.
A new location, a build-out or a kitchen refit costs real money before it earns any. Bayside is a Miami-based capital advisory firm. We compare lines of credit, term loans, SBA loans and equipment financing for restaurant and hospitality operators, so the new project doesn’t drain the location that’s already working.
Full-service and fast-casual restaurants · restaurant groups · bars and lounges · breweries · catering · hospitality groups
Where the cash gets stuck
Full dining rooms still run short on cash.
Build-outs run ahead of revenue
Contractors get paid on milestones. The new space earns nothing until it opens.
Seasons swing
In South Florida, the busy months and the slow months can look like two different businesses. Payments that ignore that put pressure on the slow stretch.
Equipment fails at the worst time
A walk-in, a hood system or a line of ovens can’t wait for a bank’s timeline.
The offers come fast
Restaurants get a steady stream of MCA offers. The fastest one is not the cheapest, and taking a second or third can block bank and SBA options later.
Funding options
Funding built around how a restaurant gets paid.
We compare options across a network of independent funding partners and explain which ones fit your situation, not just what is easiest to sell.
Business line of credit
Draw in stages as build-out and opening costs come due, instead of a lump sum you pay interest on from day one.
Compare options → 02Term loans & SBA
Fixed payments for a defined project. When the file supports bank or SBA terms it is usually cheaper than short-term options, though it takes longer.
Compare options → 03Equipment financing
Kitchen equipment, hoods, walk-ins and point-of-sale systems, paid over time with the equipment as collateral.
Compare options → 04MCA consolidation
Carrying more than one MCA? We look at whether one term structure can replace them and reopen the door to bank financing.
Compare options → 05Working capital & revenue-based
For a short gap where timing matters more than cost. We show you the real cost before you decide.
Compare options →The first deal is supposed to make the second one possible.
Client stories
Real projects. Real numbers.
An 8-year-old Miami restaurant was opening a second location and paying for the build-out out of the first one’s reserves.
We structured a $125,000 revolving line of credit instead of another MCA, so the owner could draw in stages as contractor payments came due.
The build-out finished without draining the original location. The owner is now planning a third.
“These guys move fast and kept me informed throughout the entire process. No surprises!”
— Restaurant · Miami, FLA 7-year-old restaurant had roughly $500,000 into a grocery-style expansion when the contractor called for the next payment.
Instead of a short-term MCA, we packaged the financials and projections for a bank and secured a term loan of about $175,000.
The contractor got paid, the new concept opened, and the bank and SBA path stayed open.
“I get countless calls from random guys convincing me they have offers and it’s a bait and switch. It’s hard to find people you can trust in this space.”
— Restaurant & grocery concept · Las Vegas, NVClient details are anonymized to industry and city. Results depend on each business’s financials, credit and lender requirements.
Who we work with
Built for established operators.
Bayside works with established businesses, usually with at least two years in business, around $40K or more in monthly revenue, and a funding need of $100K or more. What each lender requires depends on the product.
You may be a strong fit if you run:
- Restaurants opening a second or third location
- Restaurant groups and multi-concept operators
- Bars, lounges, breweries and catering companies
- Hospitality groups funding a renovation or expansion
Before you apply
What a strong restaurant file looks like.
For an expansion, lenders underwrite the location you already run. Bring these and we can show you what is realistic.
Meet your funding advisors- Business bank statements from the existing location. The Capital Strategy Report starts with 3–4 months.
- Two years of business tax returns, if you want bank or SBA options on the table.
- The lease, the contractor bid and a budget for the new location or build-out.
- Quotes for the equipment, if you are financing equipment.
- A list of any loans or MCAs outstanding, with balances and payments.
How it works
Simple. Transparent. Built around your numbers.
Tell us about your business and goals
A short call to understand the business, the project and the timeline. Then we tell you exactly what underwriters will want to see.
Get your free Capital Strategy Report
Every option you qualify for, what each really costs, and a straight recommendation. It takes a short application and 3–4 months of business bank statements.
Move forward with the option that fits
You choose the structure. We package the file, work it with the lenders, and stay with you after it closes.
Bayside acts as a commercial lending broker and capital advisory partner, connecting you with approved commercial funding providers. All funding is subject to lender review and qualification.
Quick questions
Restaurants & hospitality funding, answered.
Can I fund a second location while the first one carries an MCA?
Possibly. Daily MCA payments raise the revenue a lender wants to see, and they can rule out bank and SBA options until they are paid down or consolidated. We map what is realistic before you apply anywhere.
Line of credit or term loan for a build-out?
A line suits costs that arrive in stages over months. A term loan suits a defined project with a fixed budget. Line of credit vs. term loan.
Do you fund a first restaurant or a food truck startup?
No. Our focus is established operators, usually two or more years in business with around $40K or more in monthly revenue. Startups and pre-revenue concepts are outside what we do.
Do you work with businesses outside Miami?
Yes. We are based in Miami and focused on South Florida, and our lender network serves qualified businesses nationwide.
Find out what you actually qualify for.
A short application and 3–4 months of business bank statements. Within 24–48 hours, your Capital Strategy Report shows every option you qualify for and what each really costs.
Bayside Business Advisors LLC Copyright © | All Rights Reserved 2026
Bayside Business Advisors is a commercial finance brokerage and capital advisory firm based in Miami, Florida; not a direct lender. We help established businesses across South Florida explore commercial financing through a network of independent funding partners. Funding approvals, amounts, rates, and timelines are subject to lender review and qualification. Results described on this page are not guaranteed and may vary based on individual business circumstances, creditworthiness, and lender requirements. Bayside Business Advisors LLC does not charge upfront fees. All funding is subject to underwriting and lender approval. This page does not constitute a commitment to lend.