Restaurant Business Loan

Restaurant Business Loan

As a small restaurant business owner, we understand how challenging it is to maintain continuous growth, especially when obtaining a loan from a bank can be daunting.  If you’re a Canadian restaurant owner who’s worried about the costs, we have the capital solution for you.

Restaurant Business Loan

We understand how difficult it may be to expand your restaurant year after year as a small business owner. Due to the unpredictability of seasonal fluctuations, entrepreneurs like you must plan ahead to ensure that you have the financial resources to meet unexpected expenses.

Perhaps you want to train your employees, invest in higher-quality equipment, ensure your kitchen is fully stocked, or expand your services to serve more consumers; whatever the reason, we recognise that getting a business loan through the banks isn't always easy. If you are a Canadian restaurant owner dismayed by the expenses, we’ve got the capital solution for you. 

Driven offers restaurant business loans of up to $300,000 with a variety of flexible payment options, providing entrepreneurs with the capital they need to build the best possible culinary experience. Our application process is quick and easy, allowing you to access the funding you require in as little as 24 hours.

How can a restaurant business loan help me?


In order to keep your restaurant running smoothly, you need to make sure you have the right team for the job. Use a restaurant business loan to bring on the people you need, when you need them. We help you invest in building and growing your team on your terms.


Ensure that you have all the necessary equipment you need to have your kitchen running at full capacity. Could it be that you need to upgrade or replace your stove, oven, fryer, or another necessary apparatus? Leverage a restaurant business loan to ensure you keep all of your equipment up-to-date.


As a restaurant owner, you need to maintain a steady inventory to meet the demand of your customers. You don’t want to run into a situation where you can’t fulfill the orders of your most popular menu items due to a lack of inventory. Having proper inventory management is an important trait of any responsible business owner. Leveraging a restaurant business loan provides your business with the confidence and security that you can deliver on your promises to your customers, and builds a trustworthy brand.

Interesting facts of the restaurant industry in Canada

  • According to Statistics Canada, sales in the food services and drinking places subsector fell in 2020 in the wake of lockdowns, limited dine-in options during the pandemic and fewer customers. Businesses stemmed part of their losses by laying off of employees, expanding take out service and applying for government assistance programs.
  • According to the latest Restaurants Canada survey conducted in July, 8 out of 10 foodservice business operators said they’ve taken on new debt over the course of the past 17+ months of the ongoing COVID-19 crisis.
  • More than a quarter (26%) of single-unit restaurant operators who said they took on new debt during the pandemic said their business will not be able to recover unless current conditions change.

How it works


Apply in 3 simple steps and
get pre-approved instantly

Our all-digital credit application process is quick and easy and typically takes less than 10 minutes. We ask for basic information about you and your business. We ask you to securely connect your online banking information. And as soon as you're done, we'll tell you exactly how much you can borrow - all without hurting your credit score.


Draw what you need, when you need it

When your application is complete, you'll know exactly how much you can borrow, but only you know how much you actually need right now. Make individual draws from within your overall business loan limit, each with their own fixed fees and terms. All pricing is up front, with nothing hidden in the small print.


Use our support for whatever you need

Choose the repayment schedule that makes sense for your business—from daily, or weekly payments, or pay early to save on interest. Borrow from $5,000 to $300,000 on 3, 4, 6, 9, 12, 18 or 24 month terms, with absolutely no hidden fees.

See if Your business qualifies

Qualification is simple.
No heavy paperwork.

If your business meets the following basic criteria, our all-digital application process will have us on the way to helping you in minutes.

Your business is based in Canada

Your average monthly revenue is at least $3,000

You have been operating for at least 3 months with a dedicated business bank account

What do you need right now?

Every day brings a different challenge and a different opportunity. At Thinking Capital, we're here with the funds you need when you need them, whether that's to seize the moment, to face down business calamities, or to bet on yourself as you take your business to the next level.

Funding the unexpected

Funding the unexpected

Truck broke down? Receivables late? Product stuck on a ship somewhere?

When the unexpected happens (and it will), we’ve got you.
Marketing Funding

Marketing Funding

Got a great product but need to get the word out?

A business can’t grow without putting itself out there. We help you line up your brand, marketing, and ad spend to make that big public splash.
Funding New Projects

Funding New Projects

New products? Channels? Seize-the-moment growth opportunities?

Whether it’s expanding to new locations, audiences, or product lines, we help you invest in growing your business.

We've got you

We're here to make life easier for Canadian small to medium businesses like yours. How can we help you today?