Restaurant business has its own needs

Loan for all your needs including for

Setting up of
new Outlet

Investing in
Base Kitchen

Investing in Local/ Digital Marketing

Working Capital

Get upto INR 1 Crores in under 24 hours.

We work with specific segments and use our understanding to make loan better

Quick & Simple

Minimum documentation. No collaterals

Multiple Lenders

One application. Multiple lenders. Increased chances of loan approval

Best Fit

Specific loan products. For specific business needs

Flexible & Transparent

Choice of loan tenure & repayment modes. No hidden charges

Our loans are designed for one thing Your Business Needs

Term Loans

Lumpsum capital to expand and grow

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Credit limit to manage cash flows

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Capital from Invoices unlocked to be reused in your business

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Easy to manage loans based on POS machine swipes

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Restaurant Loan Eligibility

  • Minimum operational history of 1 years
  • Promoter age 22 and above
  • Anchor Vintage of 6 months
  • Anchor monthly payout of 15k

Restaurant Loan Required Documents

  • KYC documents of the entity & promoters
  • Bank statement for the last 6 months
  • ITR required for annual turnover > Rs.5 Crores

Instant Loans For Restaurant Businesses

Food is the necessity of being alive for every human being. It has even been said that if you haven’t dined well, then it is tough to focus even on the daily assignments or chores. No matter what the occasion or situation is, having food is an essential part of the day and life as a whole. And because of that importance and flavours infused in it, a restaurant that serves delicacies at a prime location can reap great profits for your investment.

Though there are several factors which come into play while putting up an eatery, if they are taken care of adequately, a great deal will be sealed. Despite all that, a restaurant business loan remains the most critical deciding factor which can now easily take a turn in your direction.

Why go for a restaurant business loan?

As per the general understanding, the hefty interest rates and duration of the loan keeps business loan seekers alarmed and confused. So, find out about the relaxations and benefits offered by a restaurant business loan availed through Indifi:

  • No collateral required when applying for a restaurant business loan, be it for a base kitchen, new outlet, or for marketing.

  • The processing of the loan is comparatively fast as most of the documentation is done online.

  • Loan amount as high as INR 1 Crores is sanctioned in one go.

  • Easy, early and high chances of loan approval as one application is provided to multiple lenders.

  • No hidden costs for the entire duration of the loan.

  • Flexibility to choose loan tenure and repayment modes as well.

  • Loan plan or product customization is also available as per the requirement of the business.

  • Term loans are availed, granting a lump sum capital to grow and expand the business.

Can you avail these benefits of restaurant business loans?

If you have been planning to start your own food business chain through a loan then indeed that process has been made smooth with the help of today’s digitization. However, you must check whether you are eligible for the restaurant business loan or not. The eligibility criteria are:

  • The age of the borrower should be between 22 to 65 years.

  • If the restaurant business is already in place, then it should be running for at least six months.

  • The restaurant should be set up at a good location with easy access to its customers.

What Documents For A Restaurant Business Loan

Having all the documents in place is essential to get a loan sanctioned at the earliest. The documents required for a business loan are:

  • Borrower or applicant’s identity proof such as driving license, PAN card.

  • Borrower or applicant’s address proof such as Aadhar card, bills etc.

  • PAN card is a must for the applicant.

  • Documents related to the business set up.

  • Bank statements of the business account of the past six months, in case the business is already existing.

  • Latest ITR is required if the loan to be sanctioned is of a value higher than 15 lacs.

  • In case, a partnership is involved in the business, then documents of the same will be required as well.

How to apply for a restaurant business loan?

Applying for a loan at Indifi follows a simple process and takes less than 10 minutes. For your reference, the steps are:

  • Fill in the online form: Fill in the necessary details of the applicant and the business to get started.

  • Provide business bank details:These are required in confidence to prepare a sturdy application.

  • And the loan is sanctioned: Once the associated lenders review the application, the loan gets approved in no time with minimum documentation.

FAQs for a Restaurant Business Loan

Apart from the information provided above, there are specific questions which can pop up in one’s mind, and some of them have been answered below:

  1. What is the line of credit, and how does it work?
  2. Line of credit is a suitable option for short term operating or business. It allows the applicant to use the sanctioned amount as per the requirement- meaning, fund access is provided and can be used to meet the expenses as and when required. With this, the interest is to be paid on the amount which has been used.

  3. What are the processing fee and interest rate for restaurant business loans?
  4. The business interest rates start with INR 50 per day per lac, or minimum interest begins at 1.5% per month and is calculated on the reducing balance.

  5. Can a low credit rating affect a Restaurant loan application?
  6. The chances are that the loan will be sanctioned, but the interest rate might be higher. If improving the credit rating is possible, then give that a try before applying for a business loan.

  7. Can the restaurant business loan be pre-closed?
  8. Yes, that is an option with a pre-closure charge. However, at least one EMI has to be paid to pre-close the loan.

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Frequently Asked Questions


Applying is quick and easy and typically takes less than 10 minutes. We ask for basic information about you and your business. Securely connect your bank information so we can assess your business without long forms, waiting in line or having to dig up old paperwork. Your association with business services who we have partnered with helps get you more fitting loans.


We need your

  1. Pan Card
  2. Aadhaar Card
  3. Address proof of self and firm
  4. Business registration proof
  5. Bank Statement last 6 months.
    In case of loan more than 15 lacs, latest ITR


When asked, most business owners shared that access to capital is the single biggest roadblock to growing their businesses. With more cash flow, these businesses can hire new employees, purchase more inventory, take more orders, upgrade equipment and boost their marketing efforts.