Hello Everyone,

Hypothetically if I wanted to build a restaurant/meeting hall, and I started with nothing, what steps/kinds of loans would I need to get it operational? I need land, two buildings - one for the restaurant and one for the meeting hall, professional services, equipment, and operating costs. Assuming I already have a business plan for a grand total financing need of 6 million, what steps/loans do I need to go from construction to operation? I think I would need a mezzanine loan for the downpayment as I am looking for 100% financing if that is what those loans are for.

Besides telling me that this is impossible, any help would be apreciated.

As far as I know, there is no process by which you could get that accomplished.

Ohhh wait, you said ”… Besides telling me that this is impossible…….” Technically, I did not say it was impossible. I just said that in 9+ years of business credit experience, I have never heard of a deal exhibiting the following characteristics:

1- 100% loan-to-cost
2- Startup financing
3- Restaurant financing
4- Special use property

A total of 4 weaknesses without even looking at the credit in detail.


I am sorry, but there just isn’t any process to pull it off as far as I know. I guess a wealthy investor that really believed could come up with a substantial percentage of the cost upfront, and maybe some lenders would be interested.