Straightforward Answers

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Unsecured Lending

No Cash Flow

Pymt Avg 2% of Balance


  • Credit of 680 or More
  • No Bankruptcy
  • Debt-to-Credit Ratio 30%


  • No Collateral
  • No Tax Returns
  • No Prepayment Penalty
  • Funding Estimate: 24 Hrs

Owner Financing

Seller Note

Terms Negotiable


  • Credit Score Open
  • Experience Needed
  • Down Payment Varies


  • Simple Qualification
  • Seller Note Usually 5 Years or Less
  • Limited Locations Qualify
  • Secured by Business

SBA Lending

With or Without Real Estate

10 or 20
Year Amortization


  • Credit of 650 or More
  • U.S. Resident/Citizen
  • 10-20% Down Payment


  • Current Interest Rate
  • No Bankruptcy or Felony
  • Seller Note = Equity
  • Quick Approvals - Call Us!
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Frequently Asked Questions

Borrowing Money is Scary. You have Questions. We have Answers.

Why Use SBA Lending?

It's the most commonly used restaurant financing method. Lenders are willing to accept risk since the U.S. government is part of the guaranty.

Why Use Unsecured Lending?

Unsecured lending is necessary when the business is not cash flow positive or has not operated long enough to have profit and loss statements that show the cash flow supports the loan.

Can Non-Citizens get SBA loans?

No. This program is only available to U.S. citizens and permanent legal residents (green card holders) of this country. There is no exception.

What are Unsecured Loan Rate Limits?

An unsecured line of credit is available from the We Sell Restaurants resources ranging from $20,000 to $200,000 depending on your credit quality.

How Much Down Payment is Needed?

For business only loans, we typically see 10% t0 20% for a down payment. For Real Estate transactions, it is routinely lower - generally 10%.

How Long Does It Take?

We Sell Restaurants works with Preferred SBA lenders that offer approvals within 10 days and routinely close on transactions in under 60 days. Unsecured loans can be approved in 24-48 hours and funded in 30 -45 days.

What about Owner Financing?

Some owners will finance a loan to buy their restaurant. They typically request a much larger down payment (as much as 50%) and shorter repayment plans (around 5 years).

Is Experience Necessary?

SBA lenders like to see experience but often approve candidates that have a management background but not necessarily restaurant experience. Unsecured lenders do not require experience. Owners financing a business usually want to see experience.

401K Rollovers

For over 10 years, 401(k) rollover services, also known as Rollovers for Business Start-ups (ROBS), have helped entrepreneurs fund their dream of small business ownership. With this method, you are your own bank. 

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