Compare an SBA loan for restaurants and food service from 50 lenders in one application. The lenders that fund restaurants bid for your deal — real offers in about 24 hours, no effect on your credit.
For restaurants, SBA 7(a) and 504 loans are the lowest-cost way to fund inventory, payroll, renovations, and a second location. EQ Funding routes your file to approved SBA lenders that compete for the deal — so you get government-backed rates and the longest terms on the market without walking branch to branch.
Instead of applying to one lender and hoping, you apply once and the lenders that actually fund restaurants compete for your business. You compare real offers side by side and take the best terms — with no effect on your credit to look.
Reach the lenders most likely to fund a business like yours in a single form.
Comparing offers is a soft pull; a hard inquiry only happens if you accept.
Fund inventory, payroll, renovations, and a second location with offers in about 24 hours.
Six questions. No documents required to start. No effect on your credit score.
Review the 8–12 lenders matched to your profile and choose who to apply to. Your file goes only to the lenders you select.
We negotiate the best terms with each lender you selected and send you their real offers — side by side on APR, term, and payment.
One signature. Funds wire direct from the lender. Median: under 2 days end-to-end.
Yes — restaurants are a core fit. EQ Funding routes your file to the lenders in our network that specifically fund businesses like yours, so you see offers from the lenders most likely to approve you rather than a single bank's yes-or-no. The application takes about two minutes and there is no effect on your credit to see what you qualify for.
Most commonly inventory, payroll, renovations, and a second location. There are typically no restrictions on use beyond the product itself — you take the capital and put it to work. If your need is more specific, the application lets you say so, and we route you to the lenders that fund that use.
First offers typically arrive within about 24 hours of applying, and funding can follow in as little as 48 hours once you accept. Asset-based and revenue-based products tend to move fastest; SBA-backed options take longer but carry the lowest rates and longest terms.
Comparing offers is a soft pull with no effect on your credit score — a hard inquiry only happens once you accept a specific lender. And it costs you nothing: EQ Funding is paid by the lender when your deal closes, never by you.
SBA 7(a) is the most flexible — up to $5M for working capital, equipment, real estate, or business acquisition. SBA 504 is specifically for major fixed assets (commercial real estate, heavy equipment) with longer amortizations and below-market rates.
Realistic timeline is 30–90 days end-to-end including SBA underwriting. The trade-off is the lowest rate available in commercial lending and 10–25 year amortizations that no other loan product can match.
SBA 7(a) lenders typically require 680+ FICO, though some accept 640+ with strong revenue. SBA 504 has similar requirements. Personal financial statements are reviewed alongside business performance.
Up to $5M for SBA 7(a). SBA 504 also caps at $5.5M for most projects. Real estate and equipment-heavy projects fit best at the higher end; working-capital uses tend to be $50K–$500K.
SBA loans over $50K typically require collateral. Approved SBA lenders take what's "reasonably available" — business assets, real estate, and personal guarantees. They won't decline solely for lack of collateral if the business is otherwise strong.
Six questions. Two minutes. No effect on your credit score. Real offers from 50 lenders within 24 hours.