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Real Answers for Real Restaurant Owners

You've heard the promises: "SBA loans are easy!" "Just fill out some forms!" "Any bank will help you!"

Then you actually try to get one.

The truth? Most SBA loan guides are written by people who've never sat across from an underwriter. They give you theory. You need answers.

Funded: The Complete SBA Loan Guide for Restaurant Owners is different.

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Real Scenarios, Real Numbers

Meet Maria, a chef with eight years of kitchen experience ready to open her own taqueria with $450,000 in SBA financing. And Tony, an experienced restaurant owner acquiring a beloved pizza shop for $800,000 before the retiring owner moves on.

Will Maria's startup projections convince skeptical underwriters? Can Tony structure the deal before the seller gets impatient?

You'll follow their complete journeys — from first bank meeting to funded deal. Every number is real. Every obstacle is one you'll face.

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What's Inside

- SBA 7(a) loans for restaurants — when they work and when they don't
n- Restaurant acquisition financing — structuring the deal, handling goodwill
n- Equipment and working capital — what SBA will and won't cover
n- Collateral and personal guarantees — what to expect when you rent, not own
n- Cash flow projections for food service — DSCR calculations with real examples

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Banker-Verified Content

Every claim in this book has been checked against:
n- Current SBA Standard Operating Procedures (SOP 50 10 8)
n- 13 CFR Part 120 regulations
n- Working lender verification

No outdated advice. No theoretical guesses. Just verified information you can take to your banker.

Updated for 2026 SBA policy changes including new citizenship requirements and credit scoring changes.

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Who This Book Is For

- You've been rejected by conventional banks and don't know why
n- You're confused by SBA requirements and conflicting online advice
n- You're unsure how much you actually need for a down payment
n- You're worried about personal guarantee exposure on a restaurant deal

If any of these sound familiar, this book was written for you.

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About the FUNDED Series

The FUNDED series provides practical, verified SBA lending guides for specific industries. Each book follows real scenarios with actual dollar amounts, giving you the knowledge to walk into any bank with confidence.

Thomas Hartwell | Published by Hartwell Labs

Funded: The Complete SBA Loan Guide for Restaurant Owners

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