---
title: "Restaurant Business Loans | Flexible Financing | Wayflyer"
description: "Fast, hassle-free restaurant business loans. Up to $1m for restaurants, bars and cafés, no personal guarantee, capital in hours."
canonical: "https://wayflyer.com/au/restaurant-business-loans"
locale: "en-AU"
---

Capital deployed so far: $11b+

# Fast, hassle-free restaurant business loans. Apply in 10 minutes.

Wayflyer restaurant financing offers loans of up to $1m for restaurants, bars and cafés. No personal guarantee, no lengthy bank process, and capital in your account in hours.

- Up to $1m in funding
- Receive funds in as little as 24hrs
- No personal guarantee

[Check eligibility](#restaurant-business-loans-eligibility)

4.7 Stars from 500+ Reviews · Applying won't affect your credit score

## Built for how a restaurant actually runs.

### Smooth out your cashflow

One fixed fee, no compounding interest, and repayments on your schedule. Nothing is held back at the terminal.

### Funding to fuel your growth

A second site, new equipment, seasonal hires, a marketing push or bridging a slow quarter. How you spend it is up to you.

### Limited risk

The loan sits with the business, not your house. Applying is a soft check that won't affect your credit score.

## A faster, fairer way to fund your next move

Banks want years of financials and collateral. POS capital only works if you use their system. We just look at your sales data, and get you a tailored offer in hours, for one flat fee.

[Apply now](https://app.wayflyer.com/authn/signup)

| Common questions | Wayflyer | Bank / SBA loan | POS capital |
| --- | --- | --- | --- |
| How much can you borrow? | Up to $1m, sized to your revenue | Up to $5m, but varies by bank | Typically $1k-$350k, offer-based |
| What's the cost? | One fixed fee, no compounding interest | Interest, plus fees | One fixed fee |
| Does a busy day change what you pay? | No - the repayment is fixed | No - the repayment is fixed | Yes - the % rises with sales |
| How fast will you get funded? | Decision in days; funds in as little as 24 hours | Weeks to months | Days (in-dashboard offer) |
| Will you need a personal guarantee? | No | Usually, plus collateral | Typically, for higher amounts |
| What do you need to qualify? | 12+ months trading; $10k+/month revenue | 2+ years trading, strong credit, often collateral | An offer already in your POS dashboard |

> We buy ingredients in bulk, and as we've grown we're buying more aggressively. Wayflyer gives us the room to do that without cash flow becoming a worry.
> — Mouyyad Abdulhadi, Owner, Pax & Beneficia Coffee

**$800k** — Annual growth rate

> Having the facility in place ahead of the busy period meant available cash didn't become a distraction during peak trade. We could stay focused on growth rather than cash flow timing.
> — Brodie Meah, Founder, Top Cuvée

## How to apply for funding with Wayflyer

### Tell us about your business.

Once you've created an account, take a moment to share some details about your business.

### Securely connect your platforms.

We analyse your performance using read-only data, then send you tailored financing offers.

### Select an offer.

Once approved, we can send the funds to your bank in as little as 24 hours.

## Financing options that work for your restaurant

### Term Loan

For growing businesses that need a fixed repayment schedule to plan ahead.

- Fixed repayments
- Repaid daily, weekly or every two weeks
- 3-9 month time horizon
- Optional security (can lower cost of capital)
- One transparent fee, no hidden costs
### Rolling Financing

For established businesses that need ongoing access to capital.

Get repeat access to our Cash Advance or Term Loan products over a 12 month contract, so you don't need to reapply each time.

[Talk to sales](/contact-us)

## You're eligible for funding if your business:

- Has 2+ years of trading
- Is based in the US, UK or Australia
- Makes more than $10,000 a month

### See how much you could access

[Check eligibility](#restaurant-business-loans-eligibility)

## Hit your growth goals like these businesses

> Wayflyer has been that very flexible financing partner that's really enabled us to avoid the need to go and raise capital.
> — Ben Yahalom, President, True Classic

**10X** — YoY Sales Growth

> Banks look at your history and want to see proven results whereas Wayflyer can underwrite some of your future growth and revenue in order to finance your operations.

[Read full story](/au/our-customers)

## Restaurant loan questions, answered

**Do restaurant business loans require a personal guarantee?**

Most do: SBA and bank loans require one from every owner with 20% or more, and most online lenders ask for one too. Wayflyer doesn't. Restaurant financing from Wayflyer has no personal guarantee, so the loan sits with the business, not your house or personal credit.

**What is the best loan for a restaurant business?**

There's no single best loan. An SBA is usually the cheapest for a big project if you can wait weeks to months and provide a guarantee. POS capital is quick but small. Wayflyer is for restaurants that want up to $1m, a decision in days, one fixed fee and no personal guarantee.

**How is a fixed fee different from an interest rate?**

An interest rate compounds over time, so the total you pay depends on how long you take. A fixed fee is a single fixed amount agreed upfront, so your total repayment is known before you accept and never grows.

**Can I get a restaurant loan with bad credit?**

Wayflyer runs a soft credit check that won't affect your credit score and makes its decision mainly on your restaurant's bank and sales data, not your personal score.

**Can I use it for kitchen equipment, a refurbishment or a food truck?**

Yes. Wayflyer funding is unrestricted, so you can put it toward ovens, refrigeration, a fit-out or a truck alongside payroll and stock.

**Restaurant loan vs SBA loan: what's the difference?**

Speed, paperwork and the guarantee. An SBA can reach $5m with long terms, but takes weeks to months, needs a business plan and two-plus years of financials, and requires a personal guarantee. Wayflyer is smaller, up to $1m, but decides in days on your trading data with no personal guarantee.

**My Toast Capital or Square Loans offer is too small. Can I still apply?**

Yes. POS offers are sized to the card sales that provider can see, and typically cap out well below $1m. Wayflyer underwrites on your full bank and sales data from any POS, so you can apply whether or not you have an offer in your dashboard, and you don't need to switch systems.

**Can I get a loan to open a second location or expand?**

Yes, if your current site has been trading for 2 years or more. Operators use Wayflyer for the fit-out, deposit and first months' rent, opening stock, hiring ahead of launch and the marketing push, the costs a landlord allowance or equipment lender won't cover. Buying the building itself is an SBA 504 or commercial lender job.

**What kinds of restaurants does Wayflyer fund?**

Independent restaurants, bars, cafés and coffee shops, quick-service and fast-casual, food trucks, franchises, food halls and multi-site groups.

**Can I use Wayflyer alongside an SBA loan, or to refinance advances I already have?**

Often, yes. Restaurants run an SBA loan for a build-out and Wayflyer for working capital, and some use Wayflyer to replace several daily-debit advances with one fixed weekly or monthly payment. We size the offer so the repayment stays comfortable.

**How fast can a restaurant get funded?**

The application takes about 10 minutes. Once your bank and POS are connected we usually come back with a decision in days, and funds can reach your account in as little as 24 hours after you accept an offer. Bank and SBA timelines are typically measured in weeks to months.

**What products does Wayflyer offer restaurants?**

Two. A Term Loan gives you one lump sum for a known move, sized to your revenue, one fixed fee, fixed weekly or monthly repayments. Rolling Financing shows you a maximum you can access over an agreed period, then you draw down what you need as Term Loans under that framework, useful for recurring working-capital needs.

## Your next growth move is waiting.

[Apply now](https://app.wayflyer.com/authn/signup)

[Speak to us first](/au/contact-us)