Restaurant Property Loans for Owners and Operators
AVANA Capital provides financing for restaurant real estate acquisitions and renovations. Our tailored loan programs help entrepreneurs and investors expand brands and create lasting value
Apply for a loan
Restaurant projects demand fast, dependable financing. AVANA delivers customized restaurant property loans for acquisitions and refinancing — SBA 504 and conventional options
AVANA offers a full suite of financing products to help your business grow
Rates and structures vary depending on loan type and borrower qualifications
Loan Sizes
From $1MM to $18MM, covering a full range of commercial programs
Flexible Terms
Choose from mid-term (up to 10 years) or long-term (up to 25 years) options
High Leverage
Finance up to 75% LTV or 90% total for qualifying SBA 504 structures
Market-Indexed Pricing
Tied to CMT benchmarks with program-specific spreads
Financing available for acquisitions, refinancing (including cash-out) or property improvements
Institutional-grade construction financing through our partnerships with Oaktree Capital and a growing network of leading Credit Unions. By collaborating with industry leaders, we accelerate funding processes, offer competitive rates, and create exclusive co-investment opportunities that empower our clients and investors alike
We make financing simple, transparent, and fast
Step 1
Complete our online application form with basic information. Our team will review within 24 hours
Step 2
We’ll evaluate your documents and request any additional materials needed.
Step 3
Once approved, we’ll present loan terms and structure a customized financing solution
Step 4
Final documentation and closing procedures. Funds are typically disbursed within days of closing
We've helped business across industries
Our team has a longstanding history of solving complex problems
Chief Lending Officer
VP, Business Development
VP, Business Development
Find answers to common questions
Yes. SBA 504 is a great fit for owner-operators looking to purchase their restaurant’s real estate. To qualify, your business must occupy at least 51% of the property.
Absolutely. We offer SBA 504 refinancing (if you’ve owned the property for 2+ years), as well as bridge and conventional loans for stabilized or value-add restaurant properties.
No. AVANA does not offer ground-up construction loans for restaurant properties. However, we do finance renovations and repositioning through bridge loans or cash-out refis.
We work with both franchise and independent operators, financing single-tenant and multi-unit portfolios. Credit strength, location, and business history all factor into our underwriting.
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