10-year SBA 7(a) or 25-year 504 to buy, build, or refi a restaurant — 10% down.
Restaurants are SBA's largest single industry vertical. 7(a) up to $5M for acquisition, working capital, and equipment (10% down, 10-year amort). 504 up to $5.5M (up to $16.5M for green/energy projects) for real estate + build-out at 25-year fixed (10% down, second-lien SBA at below-market rate). Live Oak, Byline, Newtek, and Celtic specialize in food-service SBA and close in 60–90 days.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Deduct half of client, prospect, and travel meals — bulletproof with the right log.
Break-room coffee, snacks, and water — 100% deductible, not 50%.
Free meals to employees on business premises — deductible to employer, tax-free to worker.
Use federal per diem rates for travel meals — deduct without receipts.
Restaurant owners recover employer FICA paid on employee tips as a dollar-for-dollar tax credit.
USDA guarantees loans up to $25M for food businesses in towns <50K population.
Run 3–8 delivery-only brands from one kitchen; each new brand adds revenue at ~zero incremental fixed cost.
Finance $50K–$500K in kitchen equipment with no personal guarantee for established operators.