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Café and restaurant business loans


In partnership with  

How can a loan help your hospitality business grow?

Here at OnDeck, our easy online application and funding process means you could receive funding in time for tomorrow’s lunch rush.

You could use a business loan to:

  • Cover the costs of overheads like rent and electricity at your pub or restaurant
  • Recruit and train new chefs, baristas, waitstaff or other employees
  • Upgrade your equipment – think coffee machines, dishwashers, or even upgrading your ordering system or POS.
  • Launch marketing campaigns to promote your new menu or increase awareness of your cafe or restaurant
  • Invest in your staff with remunerations and a positive work culture

An OnDeck small business loan means fast funding when your business needs it. We know the pressures of owning a hospitality business, that’s why our loan specialists are ready to answer any questions you might have.


Ready to unlock opportunity for your hospitality business?


Get Started 


We can support you with a business loan

from $10,000 to $250,000*


6-24 month terms*

  Flexible terms include weekly and daily automatic payment options.


  3% of loan amount

Set up fee covers the cost of servicing and processing your loan.


 Grow and invest in your business

Put your short term business loan to use immediately, with funding in as fast as one business day.



Choosing the right plan

Your dedicated Loan Specialist will work closely with you from start to finish to find the right plan for you and your hospitality business.


 Café business loans

Are you looking to hire new table staff, dishwashers or baristas to cover the morning coffee rush? Or maybe, your business is growing so fast that you have no choice but to expand and add an outdoor seating area to accommodate all your customers. You might need to source new coffee beans, or train your staff to specialise in latte art. Whatever the business need, a cafe loan from OnDeck could be your answer. We’ve helped many businesses with cafe finance so that they can unlock opportunity. We work with business owners in the following spaces:

  • Traditional cafes
  • Coffee houses
  • Espresso bars


 Bar loans

Another year, another liquor license renewal – another fee to pay. Training your staff to be compliant with RSA and RCG standards, constantly needing to purchase new stock after another busy Saturday night, or replacing a broken beer tap. An OnDeck loan could provide you with the capital you need to cover these, and other costs associated with running your bar. We work with business owners in the following spaces:

  • Wine bars
  • Cocktail bars
  • Sports bars
  • Lounge bars
  • Nightclubs


 Restaurant business loans

If you’re a restaurant owner and your pizza oven needs upgrading, or maybe it’s time to hire a new sous-chef, we’re here to help. Whether you need restaurant financing to cover the increasing cost of electricity and rent, or to launch a new marketing campaign to attract new customers, OnDeck is here for you with a restaurant loan. Take the stress out of managing restaurant cash flow with a short term loan from OnDeck. We work with business owners in the following spaces:

  • Ethnic restaurants
  • Fast food and diners
  • Casual dining
  • Premium casual
  • Fine dining


 Pub business loans

If you run a local pub, timing cash flows with costs such as renovations, inventory and marketing can be tough. At OnDeck we provide pub finance to keep the drinks running and your customers happy. Fill out an online application and find out how your pub can benefit from an OnDeck pub loan. We work with business owners in the following spaces:

  • Hotels
  • Taverns
  • Traditional inns


How can you get approved?


We’ve worked with many cafés, restaurants, pubs and diners to provide short term business loans. To be eligible, you’ll need at least $100,000 in annual turnover, have 6 monthly deposits at a minimum, have no prior or current bankruptcy and have a business credit score of at least 500.

Our online application is fast and easy. Perfect for hospitality owners who are short on time. Get started now by clicking on the button below.


Get Started 


Simple online application

Our online application takes only 10 minutes to complete - all you need is 6 months of recent bank statements

Quick decisions

Whether or not you've been approved for a loan, you'll know within hours, not days!

Receive funding fast

If you're approved for a loan, funds can be available in as fast as one business day



“OnDeck helped me upgrade the gelato section at Dolcissimo, my Italian Restaurant.”


Dolcissimo Italian Restaurant

Anthony Raciti, Haberfield, NSW

Grow your café, restaurant or bar

Get Started