Finance for Cafes, Restaurants and Bars

Fit-outs, cash flow, wages and venue purchases funded for cafe, restaurant and bar owners.

Call 0401 222 353

★★★★★5.0 from Google reviews

Cafe owner in an apron standing in the doorway of her cafe

★★★★★

Joseph Alam

He came from a place of understanding

Getting a loan was difficult for me but not only did Joe get the loan done, he came from a place of understanding. Highly recommend and when I need to refinance at any stage I know who to see.

★★★★★

Will M

Great experience from start to finish

Great experience from start to finish. Joe was professional, responsive and transparent throughout the entire process. He explained everything clearly and made it easy to move forward with confidence. Highly recommend for anyone looking for reliable and trustworthy financial services.

★★★★★

John Safi

Easy the whole step of the way

Dealing with Joe was really easy the whole step of the way. He made it so easy to consolidate all my debts and get the best deals for me.

★★★★★

Jack Roberts

Always gets you a great deal

Great mortgage broker. I have worked with Joe across multiple loans and never had any issues — efficient, professional and always gets you a great deal!

★★★★★

Emilio Ayoub

Smooth and stress-free

Joe was awesome to deal with. Super knowledgeable, easy to talk to, and made the whole process smooth and stress-free. He explained everything clearly and worked hard to get the best outcome for us. Highly recommend Settled with Joe if you're looking for reliability, transparency and quality.

★★★★★

Nick Jr Constantin

Clear and stress-free

Great experience working with Joseph during my home loan application. He was knowledgeable, responsive, and made the whole process clear and stress-free. I really appreciated his support and would happily recommend him to anyone needing help with property matters.

★★★★★

Philip Albert

Actually makes the whole process easy

Highly recommend Settled with Joe if you're looking for a mortgage broker who actually makes the whole process easy. Joe was professional, knowledgeable, and always available to answer questions. He handled everything smoothly from start to finish and helped secure a great outcome without the usual stress that comes with finance.

How lenders look at a hospitality business

Takings move with the weather, school holidays and the season. Rent, suppliers and a payroll full of casual staff do not. Lenders who fund venues know that, so they look at your card terminal and bank statement data to see the real trading pattern, including the quiet months.

They also look closely at the lease, because it keeps the venue trading: how many years remain, any option to renew, and whether rent is up to date. A repayment has to fit in your slowest month, not only your average one. Joseph Farhat and his team work through those figures with you, match the venue to lenders across our panel of 90+ bank, non-bank, and specialist lenders, and manage the application around your service hours.

What venue owners most often bring to us

Fitting out a new venue or refurbishing

A kitchen, bar, cool room, seating and services can all be due before opening night. Fit-out finance pays the builder's progress claims in stages, with the equipment included, so the venue opens when the lease requires rent to start.

Fit-out finance

A buffer for the quieter months

An overdraft limit on your business account can be drawn for stock, rent or a slow fortnight and repaid when trade picks up. Setting it up before the quiet period gives lenders a clearer view of your trading.

Business overdraft

Wages and super when takings dip

Staff are paid on a fixed day, and since 1 July 2026 super has to be paid with each pay run. Payroll gap finance covers wages, PAYG withholding (the tax taken from wages) and super for a short period, so pay goes out on time during a slow stretch.

Payroll gap finance

Tax and super that have fallen behind

When PAYG withholding, super or GST have built up, some lenders will pay the ATO balance and let you repay over a set term. Your accountant confirms the amounts first. If the business may not be able to pay its debts, an accountant or registered insolvency practitioner comes before any loan.

Tax debt finance for hospitality

Our pages for hospitality businesses

Fit-out finance Business overdraft Payroll gap finance Unsecured business loans Working capital finance Business acquisition finance Tax debt finance for hospitality Supplier COD finance Vendor and franchise finance Insurance claim delay finance

Frequently asked questions

Can I borrow to buy an existing cafe or restaurant?

Yes. Lenders look at the venue's trading history, the lease you will take over and your own experience running or managing a venue. The sale contract and lease assignment are handled by your lawyer. Joseph Farhat and his team arrange the funding around the settlement date.

Does a short lease limit what I can borrow?

It can. Lenders generally want the loan to finish inside the lease term, including any options you hold. A short remaining lease may mean a shorter loan or a smaller amount. An option to renew, or an extension agreed with the landlord, gives lenders more room.

Can repayments be set around our busy and quiet seasons?

Some facilities suit seasonal trade better than a fixed loan. An overdraft or line of credit can be drawn in the quiet months and paid down in the busy ones. Lenders test the repayment against your slowest months, so seasonal data in your statements helps.

Do I have to pay super for casual staff?

Yes, in most cases. Casual staff aged 18 and over are owed super regardless of their hours or pay, and staff under 18 are owed it for any week they work over 30 hours. The rate is 12%, paid each payday. Your accountant or the ATO can confirm your obligations, and we can look at funding if a shortfall has built up.

Can I get finance without offering my home as security?

Often, yes. Unsecured business loans are sized on turnover and bank statements, and fit-out or equipment finance can be secured by the equipment itself. Larger amounts may need property, and where a home is offered, it is at risk if repayments are not met.

Can you tell me whether to open a second venue?

That decision is yours, made with your accountant. We are a finance broker, not a financial adviser or accountant. What we provide is a clear picture of what lenders on the panel will fund for a second site and on what terms, so you can weigh it up with your accountant.

Access to over 90+ bank, non-bank, and private lenders