Restaurant Loans in Aurora, CO
Restaurant loans in Aurora fund the openings, expansions and equipment refreshes that keep independent operators alive in a market where costs have run harder than menu prices. We work with everything from full-service concepts on Havana Street to fast-casual expansions in Southlands and second-location plays for established Denver operators moving east.
Restaurants are a harder credit than dental or medical — margins are thinner, failure rates higher — but the right lender, structured the right way, still says yes. SBA 7(a) with a 10-year term is often the difference between a viable P&L and one that dies under the debt service.
Marquette works these files with SBA lenders that actually book restaurant deals in Colorado (many won't), plus equipment lenders and revenue-based facilities for operators who need speed over the lowest rate.
- Restaurant acquisition or asset purchase
- Build-out and TI on a new lease
- Kitchen equipment and hood systems
- Working capital for slow seasons
- Second-location expansion
- Ghost-kitchen or commissary launches
- Prior restaurant management or ownership experience
- Personal credit typically 660+
- P&Ls / tax returns for existing operations
- Detailed use of funds and pro forma
- Signed LOI or LOI-ready deal for acquisitions
From intake to funded in four steps.
“Not every lender does restaurants — and the ones who do are picky about concept, location and operator experience. First-time operators with no industry background will struggle at SBA; a franchise brand often solves that. On existing operations, trailing 12-month cash flow is the number every underwriter cares about.”
Questions Aurora operators actually ask.
Can I get funded without owning a restaurant before?+
Not easily on the SBA side unless you're buying into a franchise on the approved list. GM or executive-chef experience helps but isn't a substitute for ownership on an independent concept.
What about a ghost kitchen or delivery-only concept?+
Fundable — usually through equipment financing plus a small working-capital line — but SBA underwriters are cautious about revenue projections. Real POS data from a pop-up helps.
Can I roll build-out costs into the loan?+
Yes. SBA 7(a) covers leasehold improvements, equipment, initial inventory and working capital in one facility.
How fast can a working-capital line fund?+
A revenue-based or short-term working-capital facility for a running restaurant can close in 3–7 business days. SBA takes weeks.
Do you finance food trucks?+
Yes — see our Aurora food truck financing page, which is a specialized structure separate from brick-and-mortar.
Talk to Aurora about restaurant loans.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.