Profitable NJ Chicken Restaurant. $979K Sales, $122K Owner Benefit
Jackson, New Jersey
89Active Listings
$352KAvg Asking Price
201Sold
Restaurants for Sale with Owner Financing
Owner financing, also known as seller financing, is a business sale structure where the restaurant owner acts as the lender for a portion of the purchase price. Instead of paying the entire purchase amount at closing, the buyer makes a down payment and then repays the remaining balance to the seller through monthly installments over an agreed-upon period. The financing terms typically include an interest rate, repayment schedule, and loan duration negotiated between the buyer and seller.
Restaurants for sale with owner financing are among the most sought-after opportunities in the restaurant industry because they can make business ownership more accessible. By reducing the amount of cash required upfront, owner financing can help qualified buyers purchase a restaurant while preserving working capital for operations, marketing, staffing, and future growth. In many cases, owner financing is used alongside SBA loans, conventional financing, or personal funds to complete a transaction.
Restaurants offering owner financing can include independent restaurants, franchise locations, cafés, pizzerias, bars, bakeries, quick-service restaurants, and full-service dining establishments. Sellers may offer financing because they are confident in the business, want to attract a larger pool of buyers, generate ongoing income from the sale, or help facilitate a successful transaction. As with any business acquisition, buyers should conduct thorough due diligence and carefully review all financing terms before purchasing a restaurant.
Additional Resources for Buying a Restaurant with Owner Financing
Buying a Restaurant for Sale is a team sport and you may need all kinds of help. Our Certified Restaurant Broker© team has plenty of resources and aid for you. Here’s a starting point for the most common requests:
- Restaurant Financing and Access to Capital
- Tips for Buying a Restaurant with Owner Financing
- Getting a Liquor License and Buying a Restaurant or Bar
- National Restaurant Association
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How to Buy a Restaurant with No Money Down
Falling in Love with the Dream and Buying the Reality. You want to buy a restaurant but you don’t have money for the deal. Is there a solution? Read on for the tips and tricks from We Sell Restaurants
Profitable Boulder Sandwich Shop. Owner Benefit $76,539
Boulder, Colorado
Roswell Burger Restaurant for Sale in Roswell. Keep or Convert
Roswell, Georgia
How to Buy a Restaurant with Financing Today
Wondering how to buy a restaurant and curious about the status of lending? Here are tips from this Restaurant Broker on how to overcome hurdles in buying a restaurant with financing today.
3D Tour
Downtown Durham Bar & Event Space with Beer Garden
Durham, North Carolina
3D Tour
Chicago Style Pizza Franchise for sale w/Owner Financing in Raleigh
Raleigh, North Carolina
Turnkey Ice Cream Shop Business for Sale Pensacola Beach FL
Pensacola Beach, Florida
Buying a Restaurant with SBA Lending – What the Lender Needs
If you are buying a restaurant with SBA lending, make sure you are ready to go with this checklist of items the bank will need.
Profitable New York Coffee Franchise for Sale - $132k in Earnings
Rye, New York
Profitable Diner with Real Estate for Sale! Seller Financing Avail.!
Spartanburg, South Carolina
Profitable Italian Restaurant for Sale Tequesta FL, $100K Benefit
Tequesta, Florida
Financing a Restaurant Purchase with Unsecured Lending
For many, the dream of buying a restaurant is limited only by the size of their savings or their ability to borrow through an SBA lending program.
Daytona Beach Florida Pizza Restaurant for Sale with 47 Seats
Daytona Beach, Florida
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Profitable Breakfast Franchise for sale - Limited Hours
St Johns, Florida
Breakfast Franchise for sale in Duval - Limited Hours!
Jacksonville, Florida
Understanding Seller Financing and Owner Financing Options
Restaurant for sale opportunities in 2023 face an uphill battle when it comes to lending. Many banks are requesting or requiring that partial seller financing be part of the ultimate lending package..
Profitable Jacksonville Restaurant with $92K Owner Earnings-Low Rent
Jacksonville, Florida
Cafe for Sale in Dahlonega, GA Turnkey Second Gen Space
Dahlonega, Georgia
Turnkey Restaurant for Sale Near Texas State - 50% Owner Financing!
San Marcos, Texas
Profitable Quick Casual Restaurant in Dacula, GA
Dacula, Georgia
Buffalo NY Diner for sale w/ Real Estate 190K Earnings, Below Market
Buffalo Area, New York
Kansas City Sandwich Franchise for Sale, 1,700 SF, $2,600 Rent
Kansas City, Kansas
New York Cafe Restaurant in Dutchess County w/ $134K earnings
City Confidential, New York
Turnkey Quick-Service Restaurant Near Brown University
Providence, Rhode Island
Bar for Sale in Acworth GA with 8,500 SF. 530 Total Seating
Acworth, Georgia
Georgia - $1M Sales includes Real Estate. Owner Financing Possible!
Talbotton, Georgia
Connecticut Italian Restaurant for Sale with Six-Figure Earnings
Waterbury, Connecticut
Restaurant bar for sale with Real Estate on Hilton Head Island, SC
Hilton Head Island, South Carolina
Rare Downtown Chandler, AZ Restaurant for Lease with Patio Space
Chandler, Arizona
Profitable Naples, FL Pizza Shop for sale. Earnings of $121,114!
Naples, Florida
Kansas Profitable Bar and Grill for sale with Real Estate
Wichita Area, Kansas
Jacksonville BBQ Restaurant for Sale with Smokers - Rent $2,200!!
Jacksonville, Florida
3D Tour
Fully Equipped Restaurant for sale with Bar - Pristine Buildout!
Lincoln, Rhode Island
Taproom & Real Estate in GA's "Downtown of the Year" with 238k SDE
Hartwell, Georgia
Texas Restaurant & Bar for Sale! Full Liquor and Owner Financing!
Houston, Texas
St. Johns FL Turnkey Restaurant for Sale! High End Shopping Center
St. Johns, Florida
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Pizza Franchise in Deland Fl! Absentee Owner - Well Established!
DeLand, Florida
Profitable Franchise for Sale in Ocala Florida! Brand New Build out!
ocala, Florida
Syrian Restaurant and Bakery for sale with $1.5M in Annual Sales
Farmington, Michigan
Profitable Restaurant for Sale with Real Estate- Owner earns $134K!
Jacksonville, Florida
Profitable Deli for Sale Port Charlotte FL, 40% Seller Financing
Port Charlotte, Florida
Denver Tech Center Grill and Pub for Sale with Full Liquor License!
Denver, Colorado
Restaurant for Sale with Bar, Entertainment, $237K+ Owner Benefit!
Parker, Colorado
South Alabama Restaurant Space for sale with Equipment, 2,500 SF
Fairhope, Alabama
Texas Multi-Unit Franchises for Sale with Up to 80% Owner Financing!
Dallas, Texas
Blairsville Restaurant for Sale Owner Benefit 300k+
Blairsville, Georgia
Asian Restaurant for Sale Jacksonville FL - Fully Staffed!
Jacksonville, Florida
Turnkey Diner for Sale Fully Equipped with Owner Financing Available
North Providence, Rhode Island
Turnkey Florida Restaurant for Sale - $1.7M Sales - Owner Financing!
Lakeland, Florida
3D Tour
Cafe for Sale in Food Hall! Seller Financing Available!
Charlotte, North Carolina
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Frequently Asked Questions
Frequently Asked Questions: Restaurants Offering Owner Financing for Sale
What is owner financing? Owner financing occurs when the seller finances a portion of the restaurant's purchase price, allowing the buyer to make payments over time rather than paying the entire amount upfront.
How much money do I need to buy a restaurant with owner financing? Requirements vary, but most sellers typically require a down payment ranging from 20% to 50% of the purchase price, depending on the business and buyer qualifications.
Are restaurants with owner financing easier to buy? They can be. Owner financing may help buyers who do not qualify for traditional bank financing or who want to preserve working capital after the purchase.
Why would a seller offer owner financing? Sellers may offer financing to attract more buyers, sell the business more quickly, generate interest income, or demonstrate confidence in the restaurant's future performance.
Can I combine owner financing with an SBA loan? Yes. In some transactions, owner financing is used alongside SBA financing or other funding sources to complete the purchase.
What types of restaurants offer owner financing? Owner financing can be found in many restaurant categories, including independent restaurants, pizza shops, cafés, bakeries, bars, quick-service restaurants, and full-service dining establishments.
What should I review before purchasing a restaurant with owner financing? Buyers should review financial statements, tax returns, lease agreements, financing terms, repayment schedules, interest rates, equipment inventories, and any business liabilities.
Do I need a broker to buy a restaurant with owner financing? Not legally, but a Certified Restaurant Broker can help identify owner-financed opportunities, negotiate terms, coordinate due diligence, and guide the transaction through closing.
Is We Sell Restaurants a franchise? Yes, We Sell Restaurants® is itself a franchise opportunity, not just a service provider to restaurant franchises. Franchisees become a Certified Restaurant Broker® through our structured onboarding process, then use We Sell Restaurants' proprietary BOSS (Broker's Operations and Sales System) platform and Restaurant for Sale marketplace to help entrepreneurs buy, sell and lease hospitality properties in their territory.
