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Restaurant, Brewery & Food Facility Loans in Texas

Food and beverage property is expensive to fit out and the fit-out is the first thing a lender discounts, because a hood, a walk-in and a brewhouse are worth far less to the next occupant than they cost to install. These files turn on build-out cost, licensing and whether the concept is proven.

What this page covers

  • Franchise & Multi-Unit Restaurant Financing
  • Food Hall & Ghost Kitchen Commissary Loans
  • Brewery & Winery Loans
  • Distillery Loans
  • Restaurant Build-Out & Tenant Improvement Financing

What these files have in common

Two things decide most of these deals: how much of the improvement cost is reusable by a different operator, and whether the licence — TABC, health, franchise approval — is in hand or still pending.

Our minimum loan is $200,000. We are a direct commercial lender working across the 43 states we serve, in business since 1998. Rates are quoted on the file rather than published — call and we will price the deal in front of us.

Retail & strip centers · SBA loans · Hospitality & Entertainment Venue Loans · Commercial lending · All property types

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Service Areas: Houston | Dallas | Austin | San Antonio | Fort Worth | Near Me TX Construction Rates
Common Questions: Credit Score Required | How Long to Close | Hard Money vs DSCR | Bad Credit OK | DSCR Requirements | No Income Verification | Minimum Down Payment | Documents Required
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Brewery & Winery Financing

Brewery & Winery Loans:
Financing Texas Craft Beverage Real Estate

Texas has one of the fastest-growing craft beer and Hill Country wine scenes in the country, but breweries and wineries are a tough fit for conventional bank underwriting — heavy equipment, licensing complexity, and tasting-room/hospitality revenue mixed with production. We finance the real estate and the operation together, against real production and taproom numbers.

60-70%
Max LTV
Quoted on your deal
Rate Range
15-25 yr
Amortization
4-6 wks
Typical Close

Banks routinely decline brewery and winery real estate because they can't cleanly separate the property value from the equipment, the TABC/TTB licensing, and the hospitality component (taproom, tasting room, event space) layered on top of production. That leaves owners financing buildouts with expensive equipment loans or personal capital even when the underlying property and business have real, growing value. We underwrite the full picture — production capacity, distribution, and taproom traffic — not just a generic industrial or restaurant box.

What We Finance

Production Facility Purchase

Buying the building housing brewing/fermentation equipment and warehouse space

Taproom & Tasting Room Buildout

Capital for hospitality space, patios, and event areas tied to the production site

Vineyard & Winery Land

Hill Country vineyard acreage plus winery production and tasting facilities

Expansion & Refinance

Cash-out or rate/term refinance for growing operators adding capacity

Strong Underwriting Profile

Current TABC/TTB licensing in good standing with no pending violations
12-24 months of production and taproom revenue history
Distribution agreements or consistent direct-to-consumer/taproom sales trend
Real estate value that holds up independent of the beverage business (alternate-use potential)
Experienced ownership/management team with industry track record

Harder to Finance

Pre-revenue start-ups with no production or sales history
Licensing disputes or lapsed TABC/TTB status
Highly specialized build-out with little alternate-use value if the business fails
Vineyard acreage with unresolved water rights in drought-restricted counties

Buying, Building, or Growing a Texas Craft Beverage Business

Whether it's a new brewery buying its first production building, a Hill Country winery adding vineyard acreage, or an established taproom refinancing to fund expansion, we structure financing around the real estate and the operating numbers together — not a one-size-fits-all restaurant or industrial rate that ignores what actually drives value in this asset class.

Financing a Texas Brewery or Winery?

Send us the property details, production capacity, and revenue history. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your Brewery/Winery Loan Request →
Distillery & Craft Spirits Financing

Distillery Loans:
Financing Texas Craft Spirits Production Real Estate

Distilleries carry a different licensing and economic profile than breweries or wineries — TABC/TTB distilled spirits permits, longer barrel-aging cycles that tie up inventory value for years, and heavier equipment investment. We finance distillery real estate against production capacity, aged-inventory value, and tasting-room revenue, underwriting built for how this specific business actually works.

55-65%
Max LTV
Quoted on your deal
Rate Range
15-25 yr
Amortization
4-6 wks
Typical Close

Texas has one of the fastest-growing craft distillery scenes in the country, but distillery real estate is a tough underwrite for conventional lenders — the production building often needs specialized ventilation and fire-suppression systems for distillation, barrel warehouses tie up significant capital in aging whiskey or other spirits that won't generate sellable revenue for years, and TABC/TTB distilled spirits licensing carries more regulatory complexity than beer or wine permits. Most banks decline the asset class outright rather than evaluate the specific operation.

What We Finance

Production & Distillation Facility

Purchase or refinance of the building housing stills and production equipment

Barrel Aging Warehouse

Financing for dedicated barrel storage/aging facilities separate from production

Tasting Room & Retail Buildout

Capital for hospitality space tied to the production site, a growing revenue driver

Expansion & Refinance

Cash-out or rate/term refinance for growing operators adding capacity

Strong Underwriting Profile

Current TABC/TTB distilled spirits licensing in good standing with no pending violations
12-24 months of production and tasting-room revenue history
Documented barrel inventory value as supplemental collateral consideration
Real estate value that holds up independent of the distillery business (alternate-use potential)

Harder to Finance

Pre-revenue start-ups with no production or sales history
Licensing disputes or lapsed TABC/TTB status
Highly specialized production buildout with little alternate-use value if the business fails
Undercapitalized aging inventory with no clear cash-flow bridge until product is sellable

Buying, Building, or Growing a Texas Distillery

Whether it's a new distillery buying its first production facility, an established operator building a dedicated barrel warehouse, or a tasting room expanding to capture more direct-to-consumer revenue, we structure financing around the real estate and the operating numbers together — not a one-size-fits-all beverage-industry rate that ignores what actually drives value for a distillery specifically.

Financing a Texas Distillery?

Send us the property details, production capacity, and licensing status. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your Distillery Loan Request →
Franchise & Restaurant Financing

Franchise & Multi-Unit Restaurant Financing:
Real Estate Loans for Operators, Not Startups

Franchise and restaurant real estate doesn't fit most banks' comfort zone — single-purpose buildouts, brand-specific improvements, and operators who are asset-rich but tax-return-light. We finance the real estate and the operating business together, based on unit-level economics, not a generic restaurant-industry risk score.

65-75%
Max LTV, Franchise RE
Quoted on your deal
Rate Range
10-25 yr
Amortization
2-4 wks
Typical Close

Whether it's a QSR pad site, a sit-down chain location, or a multi-unit operator adding their fifth store, restaurant real estate carries a reputation with conventional lenders that doesn't match the actual performance of a well-run operation. Franchisor brand strength, unit-level sales history, and lease/ownership structure tell us far more about repayment risk than the fact that the tenant is a restaurant. We underwrite accordingly.

What We Finance

Ground-Lease Pad Sites

Purchase or refinance of freestanding QSR/franchise buildings on ground leases or fee-simple land

New Location Buildout

Acquisition plus tenant-improvement capital for converting a vacant box into a new unit

Sale-Leaseback

Cash out real estate you already own and operate under a leaseback to your own concept

Strong Underwriting Profile

Recognized franchise brand with a documented multi-year franchise agreement
2+ years of unit-level sales and P&L history, or a strong personal operating track record
Clean site — no environmental flags, adequate parking, visible traffic count
Owner-operator with real equity in the deal, not a 100%-financed startup concept
Lease or ground-lease terms that comfortably outlast the loan term

Harder to Finance

Brand-new, unproven franchise concept with no operating history anywhere
First-time restaurant operator with no industry experience seeking 100% financing
Site with a short remaining ground-lease term relative to the loan
Franchisor in financial distress or an agreement in default/renewal dispute
Highly specialized buildout with limited alternative-use value if the concept fails

Purchase, Refinance, or Growth Capital for Existing Operators

Most of our franchise and restaurant real estate borrowers aren't first-time operators — they're existing owners buying the real estate under a location they already run, refinancing a maturing note, or pulling growth capital to open unit number four or five. We structure around what the operating history actually shows, with financing that moves at the speed a real estate opportunity or lease deadline requires.

Buying, Refinancing, or Expanding a Franchise or Restaurant Property?

Send us the brand, unit count, and sales history. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your Franchise Loan Request →
Food Hall & Ghost Kitchen Financing

Food Hall & Ghost Kitchen Commissary Loans:
Financing Texas Delivery-Era Food Real Estate

Food halls and ghost kitchen commissaries — shared commercial kitchen space built for delivery-only brands and multiple food operators — are a fast-growing category most conventional lenders still evaluate like a traditional single-tenant restaurant. We finance against the real per-kitchen-bay revenue and operator mix, not a generic restaurant real estate template.

60-70%
Max LTV
Quoted on your deal
Rate Range
15-20 yr
Amortization
3-5 wks
Typical Close

Food halls (multiple independent food vendors sharing a dine-in space) and ghost kitchen commissaries (multiple delivery-only brands sharing commercial kitchen infrastructure) both generate revenue from per-stall or per-bay licensing fees rather than a single restaurant lease — a multi-tenant, food-service-specific model most commercial lenders aren't set up to underwrite. That mismatch causes well-performing facilities to get declined simply because the revenue structure doesn't fit a standard single-tenant restaurant box.

What We Finance

Food Hall Development

Financing for multi-vendor dine-in food hall real estate and buildout

Ghost Kitchen Commissaries

Purchase or refinance of shared delivery-only kitchen facilities

Hybrid Facilities

Combined dine-in and delivery-focused commercial food real estate

Expansion Capital

Capital to add kitchen bays or vendor stalls to an existing facility

Strong Underwriting Profile

12-24 months of vendor occupancy and per-bay/stall revenue history
Diversified operator mix reducing dependency on any single vendor
Health department compliance across all shared kitchen infrastructure
Strong local delivery/dine-in demand supporting continued vendor demand

Harder to Finance

Pre-opening facilities with no vendor commitments or revenue history
High vendor turnover indicating operational or location challenges
Heavy dependence on a single anchor operator for most facility revenue
Health/safety compliance gaps across shared kitchen infrastructure

Development, Acquisition, or Expansion

Whether you're developing a new food hall from the ground up, acquiring an established ghost kitchen commissary, or expanding an existing facility's kitchen bay count, we structure financing around the real per-vendor revenue numbers — not a one-size-fits-all restaurant underwriting model that was never built for this shared, multi-operator category.

Financing a Texas Food Hall or Ghost Kitchen Facility?

Send us the facility, vendor mix, and revenue history. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your Food Hall Loan Request →
Buildout & TI Financing

Restaurant Build-Out & Tenant Improvement Financing

Kitchen equipment, hoods, grease traps, dining room finish-out, ADA compliance — restaurant and retail build-outs run expensive before a single dollar of revenue comes in. We finance the interior work, not just the real estate.

A restaurant lease with a strong location doesn't guarantee a strong loan file — landlords increasingly hand over vanilla shell space and expect the tenant to fund every square foot of the kitchen, dining room, and back-of-house build-out themselves. Between commercial kitchen equipment, Type I hood systems, grease interceptors, walk-in coolers, ADA-compliant restrooms, and dining room finish, a full build-out on a mid-size restaurant space commonly runs $150-$400+ per square foot before a single customer walks in. Conventional bank financing is a poor fit here — banks want stabilized income history, and a pre-opening restaurant has none.

We underwrite tenant improvement and build-out financing around the total project cost and the operator's experience, not just trailing financials. That includes ground-up restaurant conversions, second-generation restaurant spaces (taking over an existing kitchen shell), and retail-to-restaurant conversions that need mechanical, electrical, and plumbing work far beyond cosmetic finish.

What This Financing Typically Covers

Kitchen Equipment

Hoods, walk-ins, line equipment, POS systems

MEP & Code Work

Grease traps, HVAC, electrical service upgrades, ADA

Interior Finish

Dining room, flooring, millwork, signage

Second-Gen Conversion

Repurposing an existing restaurant shell

Why Direct Lending Fits Build-Out Timelines

Landlords typically negotiate a fixed build-out period before rent commences — often 60-120 days. A bank construction-draw process built for ground-up commercial real estate rarely moves fast enough to hit that window without eating into your free-rent period. We structure draws around your actual build-out schedule (permit, rough-in, equipment install, finish) so funding keeps pace with the contractor, not the other way around.

Building out a restaurant or retail space?

Tell us the project scope and timeline — we'll structure draws around your actual build-out schedule.

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