Restaurant requests from Cleburne, Texas kitchens are sent by Orchardshore Advances to funding partners. This page covers equipment, payroll and food-cost funding, restaurant cash advances, adding a food truck to an existing restaurant, buying a restaurant, and the Johnson County, TX restaurant counts.
At a glance
- Limited-service restaurant employers
165, with 3,448 employees (CBP 2023)
- Full-service restaurant employers
72, with 1,551 employees (CBP 2023)
- Restaurants and other eating places, all kinds
284 employer establishments (NAICS 7225, CBP 2023)
Loans for Restaurants: The Kitchen, the Dining Room and the Payroll
A restaurant's funding needs sort into three piles. The kitchen: hoods and fire suppression, ranges, fryers, ovens, walk-in coolers and freezers, ice machines and dish machines, all of which can be financed as equipment. The room: booths, flooring, lighting, a patio or a drive-through lane, which are build-out costs suited to a term loan. And the payroll and food weeks, when sales dip but cooks and suppliers still need paying, which fit a line of credit or a short working capital loan.
Keeping the three apart helps a partner say yes to the right one. A walk-in cooler secures its own financing; a dining room refresh has nothing to repossess and is read on the restaurant's records.
Drive-Throughs and Counter-Service Kitchens in the Johnson County, TX Counts
The 2023 County Business Patterns tables list 284 restaurants and other eating places with paid staff in Johnson County, TX. Limited-service restaurants, the counter and drive-through category, numbered 165 with 3,448 employees, more establishments than any other six-digit industry in the county. Full-service restaurants numbered 72 with 1,551 employees; together the two make 237 (our sum). Snack and coffee bars added 44.
Limited-service kitchens are larger employers than the county average: only 14.5% of them had fewer than five employees, against 53.3% of all county employers. A separate Census program, Nonemployer Statistics, found 112 eating places run with no payroll in 2024.
Restaurant Lenders and Advance Providers Around Cleburne, TX
Banks and credit unions lend to restaurants with a few years of tax returns behind them, for equipment, remodels and purchases. Equipment finance companies and manufacturers' programs lend against kitchen equipment specifically. Online lenders and merchant cash advance providers lean on card sales. Each reads a restaurant differently, so an owner with a clean card history and a weak tax return may get different answers from each.
Restaurant Cash Advance Offers: Holdbacks Against Daily Card Sales
Advance providers market to restaurants because daily card batches show sales plainly. A merchant cash advance is not a loan: the provider buys a share of future card sales and collects a holdback from each day's batch until the agreed total is collected. Before accepting one for equipment, price the same purchase as an equipment loan. The cash advance page shows how factor rates and holdbacks add up.
Adding a Food Truck to an Established Cleburne, TX Restaurant
A truck or trailer kitchen extends an existing restaurant's menu to events and job sites. Partners treat it as equipment twice over: the vehicle and the kitchen built into it. They want the build quote, the vehicle details, and the restaurant's own sales history, since the truck has none yet. Health permits and commissary arrangements are part of the plan; confirm them with the local health authority before committing to a build.
Funding for a truck as a brand-new standalone business is a startup request, which Orchardshore does not arrange; a truck added to a running restaurant is an equipment request.
A Business Line of Credit for a Restaurant's Food Orders and Payroll Weeks
Food and paper orders, payroll and small repairs come back every week, which is the pattern a line of credit handles. The restaurant draws for a large catering order's food cost and pays it back when the catering invoice is paid. A line used this way goes up and down; one that stays drawn all year tells a partner the restaurant needs a longer-term fix.
A Loan to Buy an Existing Restaurant in Johnson County, TX
Buying a running restaurant brings a kitchen, a lease and a customer base at once. Partners ask for the seller's tax returns and sales reports, the lease and whether it can be assigned, the equipment list and its condition, and the buyer's own experience running a kitchen. A seller note for part of the price, where the seller agrees to one, shows confidence in the business.
- Two or three years of the seller's tax returns and point-of-sale reports.
- The lease, any assignment clause and the landlord's consent.
- An equipment list with ages, and any equipment leases that transfer.
- The buyer's résumé in food service and the cash going into the deal.
A Hood System Financed Over Four Years, With Invented Figures
Illustration only, invented figures: a Cleburne grill replaces its hood and fire suppression for $38,000 installed. Financed over 48 months at an annual rate of 10%, the payment comes to about $964 each month, and the 48 payments total roughly $46,261 (our arithmetic, fees excluded). The owner checks that against the weekly card deposits before signing.
By Orchardshore Advances · Updated