Business finance
Business Loans For Restaurants
Working capital, equipment, and growth finance for restaurants — matched to your revenue and time trading, not a generic credit score.
Trusted by 1,200+
Australian trades
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Local support team
Vetted partners only
How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for restaurants and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Finance for fit-out, equipment, and stock without draining the till.
- Cash-flow cover for quiet seasons and the lead-up to busy periods.
- One application across lenders that understand retail and hospitality trade.
How it works
Simple next steps
- 1Tell us what you need to fund and your trading history.
- 2We match it to lenders comfortable with seasonal, foot-traffic revenue.
- 3You compare offers and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Restaurants
Restaurant finance covers two realities: the big build and the lean weeks. A fit-out, a new combi oven, cool room or coffee setup, or a refurbishment can run well past the ~$50,000 mark, while a working-capital line bridges the post-holiday lull, a slow winter, or the wages and produce you pay before a busy weekend pays you back. Funding lets you renovate, expand or simply ride out a quiet patch without starving the kitchen. Cockatoo helps match you to a lender that understands hospitality's thin margins and lumpy cash flow.
Common questions
Restaurants — business loan questions
Can I finance a fit-out or kitchen equipment?
Yes. Equipment finance can cover ovens, cool rooms, coffee machines and fit-out costs, spread over the asset's life so you are not draining cash up front. It is a common way to open or refurbish without tying up your operating funds.
How do restaurants get through a quiet season?
A working-capital line covers wages, rent and produce through the post-holiday lull or a flat winter, then is repaid as trade picks up. Lenders who understand hospitality expect the seasonal dip, and Cockatoo can match you to one who does.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.