Oy! Not a fun topic but let’s get down to it and demysitify this often painful topic. Yes indeed it is flat out true that banks do not do traditional restaurant business loans. Just doesn’t happen. What I’ve learned over time is that most community banks will loan some money to a restaurant after it has shown a profit for 2-3 years of being in business. One can also obtain a business loan if there is some form of collateral to be set against the loan. And thirdly, it’s important to know that SBA loans are basically the best bet for restaurant owners to get funded. But know in advance that the paperwork with an SBA loan is extensive.