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Illustration of restaurant booths and tables

Restaurant

We provide innovative financing and advisory services for restaurants in all stages of the business cycle.

Illustration of cash register

Serving the restaurant industry

Turn to CIT to help your business grow. We provide businesses in the restaurant industry with innovative, customized financing and advisory services including working capital, growth capital, acquisitions, debt refinancing, recapitalizations and restructurings.

Products & services

  • Working capital
  • Acquisition financing
  • Growth capital
  • Management buyouts
  • Debt refinancing
  • Recapitalizations
  • Turnarounds
  • Restructurings
  • Debtor-in-possession financing
  • Confirmation plan financing
  • Franchise financing

Product details

Asset-based loan financing

  • Revolving lines of credit based on valuation of inventory and receivables and term loans based on valuation of fixed assets (including machinery, equipment and real estate)
  • May consider advances against intangible assets (trademarks, patents, licenses, royalties)

Cash flow financing

  • Predominantly in connection with acquisition financing
  • Senior secured debt, which is based on a multiple of EBITDA and understanding of cash flow drivers
  • Reliance on a company's operating performance, management strength and competitive position

Select stretch asset-based loans and hybrid structures

  • Senior secured revolver and term financing with advances beyond traditional ABL advance rate
  • Reliance on cash flow and traditional asset-based analytics

First out/unitranche structures

  • On an asset-based or cash flow basis

Contact us today

Leveraging in-depth industry expertise, we provide innovative, customized restaurant financing and advisory services for customers in all stages of the business cycle. Learn how we can work together to meet your business needs.