Short-term bridge loan · Midwest
Bridge loans for fast food and restaurant real estate across the Midwest
From 9% · up to ~70% of value · 3–24 months · $50K–$1M · 1–3 pts
Franchise QSR pads, drive-thru conversions, a restaurant building with a long-term tenant — this is single-tenant commercial real estate with equity. We fund the building while you line up the franchise approval, the tenant or the permanent loan.
Deal check · live
No credit pullLoan-to-value
60%
Your equity
40%
Rates from
9%
Your deal fits what we fund
40% equity · within our size and term range. If the documents line up, we can close fast.
Rates 9%–24% depend on amount, structure, valuation, borrower, timing and due date. Your quote follows review — not a commitment to lend.
What we look at
How we underwrite restaurants.
- Value of the building and pad, by appraisal and comparable single-tenant sales
- Lease terms or franchise agreement supporting the exit
- Condition, drive-thru / site layout and any conversion budget
- Exit: refinance, sale or sale-leaseback
Typical deals
Where this loan fits.
- Buying the pad your franchise unit sits on
- Converting a closed restaurant to a new concept with a renovation budget
- Bridging a net-lease restaurant purchase ahead of a 1031 or permanent loan
- Cash-out on a stabilized restaurant building
Where we lend
Restaurants loans by state.
0+
Deals reviewed
~1 in 4
Deals we fund
0 days
Average close (approved)
0%
Repeat borrowers
Illustrative figures · updated before launch
Borrowers on RECO
“Checked the deal on a Tuesday, had a quote Thursday, closed the duplex in nine days. The bank was still asking for tax returns.”
Sample · M. Alvarez · Investor · Kansas City, MO · $340K purchase bridge
Sample testimonials — replace with verified reviews before launch.
Why private capital
RECO vs. the bank
Questions
Straight answers.
That is between you and the franchisor; we underwrite the real estate and your exit.