Loan Payment / SBA Calculator for Restaurant

Opening or expanding a restaurant almost always requires outside capital, and the SBA 7(a) loan is the most common financing vehicle for restaurant owners. A typical restaurant buildout — including leasehold improvements, kitchen equipment, furniture, initial inventory, and working capital — runs $350,000 to $500,000, though fast-casual concepts can launch for $150,000–$250,000 and fine dining can exceed $750,000. SBA 7(a) loans for restaurants typically carry interest rates of 7–9% with terms of 10 years for general purposes or up to 25 years if real estate is involved. The SBA requires a personal guarantee, and most lenders want to see at least 20% owner equity injection, relevant restaurant experience, and a solid business plan with realistic financial projections. One critical detail many first-time restaurant owners miss: your loan payment is a fixed monthly obligation that doesn't flex with your revenue. In a business where January sales might be 25% below July, your debt service stays the same. This calculator is pre-loaded with typical restaurant SBA loan terms — $350K at 7.5% for 10 years — so you can see what your monthly payment would look like and stress-test whether your projected cash flow can handle it during both peak and slow seasons.