What type of loan is right for your restaurant?
Borrowing money is a big step. Evaluating your goals and specific needs can help you decide if a loan or line of credit is right for your food and beverage business.
Restaurant and food service business banking solutions
All the ingredients you need to level up your operation
We offer financial solutions for quick-serve, fast casual and full-service food and beverage purveyors. Whether you need U.S. Bank payment solutions, payroll and staff management, merchant services or kitchen equipment financing and repair, U.S. Bank has got you covered.
Sweeten your success with a full menu of financial solutions.
Take control of fluctuating guest expectations with online and table service ordering, delivery, curb service and contactless order and pay using our flexible payment processing services.
Productivity made simple. A point of sale system that does it all.
- Accept credit and debit card payments via online ordering, counter or curb service.
- Streamline and speed up your operations from front-of-house to back-of-house and from takeout to delivery to sales and staffing to enhance your customer experience.
- Manage server tips, employee time cards, shift assignments, pay at table, split tab, split tender, menu ordering, kitchen printing and more.
- Access funds within hours of batch settlement with Everyday Funding.1
- Easily create catering invoices and manage your finances in one place.
Managing a restaurant just got easier.
Upgrade your customer experience with better cash flow management, payroll solutions and everything you need to speed up your operation.
Boost cash flow management.
- Calculate future cash flow with our Cash Flow Forecast tool to grow your business better.
- Fund your full-service, fine dining, bistro, café, or food truck with a business loan, real estate loan or line of credit.
- Allow employers to maximize direct deposit participation by directing payments to a prepaid card.
- Use our reporting and analysis tools to ensure you have the funds to keep your restaurant running smoothly.
Eliminate payroll hassle.
- Drop the paper paychecks. Use paperless payroll to save time and money.
- Access ADP® full-service flexible payroll, and Payroll ADP® for tax and staffing support.
Finance front and back of house needs.
- Fund new equipment, appliances and repairs with business equipment financing.
- Tap into government-backed loans for up to $12.375 million2 through the Small Business Administration (SBA).
- Land or expand your dream space with a commercial real estate loan.
Discover resources to run your restaurant better.
Learn financial tips and experiential anecdotes from others in the food services industry.
Eight ways small businesses can manage their cash flow
Knowing how much cash is coming in and going out, and accurately forecasting sales and expenses, is key to maintaining your restaurant’s health. Here are the top things to keep in mind when managing your cash flow.
Apply for an SBA loan to grow your restaurant.
There are different types of Small Business Administration loans, each with its own set of requirements. Find out how you can apply for an SBA loan.
Get the dish on our Diversity Lending Program.
U.S. Bank is committed to supporting minority-, woman-, and veteran-owned businesses in reaching their goals with access to business funding, support, and financial resources. Find out if you qualify for a business loan or line of credit through the U.S. Bank Business Diversity Lending Program.
Manage your cash flow all in one place.
From business checking to payment solutions, U.S. Bank Business Essentials® offers products, resources and services to help small businesses thrive, all in one place. Access one view of your business cash flow with an online banking dashboard.
Frequently asked questions
As a restauranteur, financial planning is challenging when the time between receiving customer payments and cash availability in your account is uncertain. Many small business owners struggle with this lag and its impact on cash flow. The pandemic’s impact has made the need for faster funding more urgent.
You need a more efficient funding timeframe to access real, hard-post funding during operating hours. Everyday Funding is the fastest no-cost (or free) funding solution for small businesses in the industry. It is available at no cost to all U.S. Bank business checking account customers with a U.S. Bank Payment Solutions account. It provides quick access to cash within hours, not days.
The quick turnaround can happen within a few hours from when you submit a batch for funding. Most importantly, funding happens on your schedule: nights, holidays and weekends. Whether you need to pay an invoice on a Saturday or submit payroll on the Fourth of July, this flexible funding time frame allows small business owners to work when they need to.
While some products may limit funding amounts or settled batch maximums, Everyday Funding removed those limitations to fit the needs of busy businesses.
U.S. Bank Payment Solutions allows your business to accept payments from anywhere – table service, online, over the phone, on location or wherever your customers eat including a contactless eating experience.
Long-term or short-term financing – you’re covered whether it's lines of credit for working capital to meet routine operating expenses or business loans with fixed rates. For new or established businesses, get the funding for what's important to you.
Roll ADP® is a mobile app which manages payroll disbursement, tax filings, employee payroll statements with same-day and next-day direct deposit available. Just submit amounts and hours worked and the funds are directly deposited within 24 business hours. You can also opt for same-day deposits if you want to pay your staff even faster. In addition, you can easily integrate with QuickBooks® Online.
To get started, scan the QR code on this page.
U.S. Bank business credit card can give you access to funds to cover expenses, including inventory to help you plan and manage seasonal fluctuations. Learn more about how a business credit card can help your food and beverage business.
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Equal Housing Lender