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Hospitality - Fit-Out, Equipment, Expansion

Café & Restaurant Loans
- wide lender panel, industry-aware

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Specialist finance for cafés and restaurants - working capital, equipment, fit-out and expansion. We know which lenders accept your industry's cash-flow pattern and documentation.

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

Cafés and restaurants owners who need capital for a specific purpose and want the structure that gets approved first time.

Established cafés and restaurants with 1+ years of trading
Sole trader, partnership, Pty Ltd or trust structure
Need unsecured $5k-$500k or secured $200k-$5m
Previously declined by your main bank
Have an active ATO payment plan (acceptable to specialist lenders)
Multi-entity owners (trading co + property co + income support)

The real challenge

Hospitality is a tighter credit box than most industries - lenders know the failure rate is high and the margin is thin. But with 12+ months of consistent trading, strong POS data and a good location, specialist hospitality lenders will fund fit-outs ($100k-$500k), kitchen equipment ($50k-$200k) and even new-site expansion.

Common wins: using the POS data (Square, Lightspeed, Kounta) as income evidence saves 2 months of accounting work. Specialist lenders will underwrite directly from POS exports.

How Mortgagefy helps

Industry-aware lender match. We know which non-bank still lends to your industry and at what pricing.
Right documentation. BAS, bank statements, accountant's letter - we tell you exactly what each lender needs so there's no rework.
Honest serviceability run on your personal + business income before you commit.
No broker fee. Lender pays us at settlement.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Free call

15-minute chat - purpose, amount, timing, your trading picture.

Lender shortlist

2-3 lenders whose policy matches your industry and loan purpose.

Clean submission

File prepared with the right documents for a 24-72 hour decision (unsecured) or 2-4 weeks (secured).

Settlement

Formal offer reviewed; coordinated with your accountant through to funding.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

Can I borrow for a brand-new venue?

First-time venue is tough - most lenders want 12+ months of trading from an existing venue first. If you have an existing venue with strong POS data, financing a second location is much easier.

How fast can I get approved?

Unsecured loans for cafés and restaurants typically approved in 48-72 hours with clean documents. Secured loans against property take 2-4 weeks.

Will my industry affect my loan options?

Yes - some mainstream lenders avoid certain cafés and restaurants verticals. That's where we add value: we know which non-bank or specialist lender actively wants your industry at good pricing.

Can I borrow with an active ATO payment plan?

Yes with the right lender. Several non-banks accept active ATO payment plans if the plan is being honoured. The main banks usually decline.

Will I need personal guarantees?

For most business loans under $2m, directors sign personal guarantees. Larger facilities with strong serviceability can sometimes negotiate limited or capped guarantees.

Do you charge a fee?

No broker fee to the borrower. The lender pays our commission at settlement.

Get your free cafés and restaurants finance assessment

Specialist lenders who understand cafés and restaurants. No broker fee. Independent assessment across a wide lender panel.

Start Your Free Assessment Call 0432 634 648

Related guides

Business Loans Sydney

Unsecured, secured and multi-entity structures.

Low Doc Business Loan

BAS instead of two years of tax returns.

Short-Term Business Loan

3-12 month bridging when you need cash fast.

Working Capital Loan

Line of credit, invoice finance, overdraft.

Equipment Finance

Chattel mortgage for vehicles and plant.

Commercial Property Loans Sydney

Owner-occupied and investment commercial.

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Café & Restaurant Loans- wide lender panel, industry-aware