Opening a dine-in restaurant or contemporary cafe involves substantial upfront capital for architectural fit-outs, aesthetic lighting, HVAC, commercial refrigeration, bar setup, POS automation, and initial working capital. Restaurant Setup Loans provide structured funding to bridge the gap between concept and Grand Opening.
Up to ₹2.5 Crores
10.25% - 13.75% p.a.
2 to 7 Years
5 - 8 Working Days
Flooring, acoustic ceilings, designer lighting, wall treatments, custom dining booths, and customer restrooms.
Heavy-duty 4-burner ranges, commercial combi ovens, fryers, food prep tables, and dishwashing lines.
Centralized ducting, air conditioning systems, fresh air intake, and commercial exhaust scrubbers.
Espresso machines, draft beer taps, under-counter bottle coolers, ice machines, and glassware stations.
Multi-terminal POS hardware, surround sound audio systems, surveillance cameras, and initial license fees.
Yes. Most partner banks provide a 3 to 6-month moratorium period during which you only service the interest, with principal EMI payments beginning once the restaurant opens to the public.
Yes. If you are launching a recognized quick-service or casual dining franchise, the upfront franchise license fee can be included within the sanctioned project cost.
Restaurant setup term loans are generally structured with a tenure of 5 to 7 years, allowing comfortable monthly EMI amortization.
Fixed bar machinery (draft dispensers, ice makers, wine chillers) is funded via the capex term loan. Working capital lines can be used to fund initial cellar inventory and seasonal stocks.