USDA guarantees loans up to $25M for food businesses in towns <50K population.
USDA Business & Industry (B&I) guaranteed loans back up to 80% of a lender's loan (up to $25M) for food businesses in rural areas (populations under 50,000). Ideal for rural restaurants, breweries, food processors, farm-to-table concepts, and agritourism. Rates typically Prime + 1–2%, 30-year amort for real estate. Combines beautifully with USDA Value-Added Producer Grants ($75K–$250K free money).
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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.
10-year SBA 7(a) or 25-year 504 to buy, build, or refi a restaurant — 10% down.
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.