Stonehollow Lending's restaurant page covers funding for Kootenai County, ID kitchens: equipment, remodels, cash advances on card sales, food trucks and buying an existing dining room.
At a glance
- Full-service restaurants, Kootenai County, ID
142 (CBP 2023)
- Limited-service restaurants
138 (CBP 2023)
- Paid employees at full-service restaurants
3,004 (CBP 2023)
Ranges, Remodels and Weekly Food Bills at Kootenai County, ID Restaurants
A restaurant spends on two very different things: equipment that lasts years and costs that come back every week. Ranges, hoods, walk-ins and dish machines fit equipment financing; a dining room remodel or a second location fits a term loan; food and wages between slow and busy weeks fit working capital or a credit line.
Kootenai County, ID had 375 restaurants and other eating places with paid employees in 2023 (CBP 2023, NAICS 7225), including 142 full-service and 138 limited-service restaurants and 95 snack and coffee bars.
Loans for Restaurants in Coeur d'Alene, ID: Full-Service and Counter-Service Counts
| Type (NAICS) | Establishments | Paid employees | Annual payroll | Share under five employees |
|---|---|---|---|---|
| Full-service restaurants (722511) | 142 | 3,004 | $82.3 million | 23.2% |
| Limited-service restaurants (722513) | 138 | 2,615 | $53.9 million | 14.5% |
| Snack and nonalcoholic beverage bars (722515) | 95 | 983 | $18.6 million | 28.4% |
| Bars (7224) | 38 | 252 | $5.6 million | 31.6% |
Within ZIP 83814 alone there were 63 full-service and 44 limited-service restaurants with paid staff (ZIP Business Patterns 2023). Restaurants carry larger staffs than many small businesses: only 23.2% of full-service restaurants had fewer than five employees, against 61.3% of all county employers.
Restaurant Lenders in Coeur d'Alene, ID and the Records They Ask a Kitchen For
- Twelve months of bank statements and card processing statements.
- The newest business tax return and a profit and loss statement for this year.
- Equipment quotes, or the contractor's estimate for a remodel.
- The lease, with the landlord's written consent to any work.
- Health department permit status for a new kitchen or a change in layout.
Banks, equipment funders and advance providers read the same kitchen differently; a bank leans on returns and the lease term, an equipment funder on the quote.
Restaurant Cash Advance in Coeur d'Alene, ID: Holdbacks on Card Sales
Restaurants take card payments daily, which is the stream a merchant cash advance is built on. An advance is not a loan: a provider buys part of future card receipts and collects a share of each day's sales. It suits a short need, not a remodel. Compare its total cost with a working capital loan before signing, and avoid taking a second advance on the same receipts.
Restaurant Equipment Loans in Coeur d'Alene, ID: Combi Ovens, Hood Systems and Walk-In Coolers
Kitchen equipment is the clearest fit for equipment financing because each piece has a serial number, a price and a working life. A hood and fire suppression system, a walk-in cooler, a combi oven, a dish machine and a point-of-sale system can sit on one itemized quote. Partners read whether the equipment is new or used, who installs it and whether the lease lets it stay if the restaurant moves. Installed items such as hoods are harder to take back, so some partners treat them like leasehold improvements and fund them through a term loan instead.
Food Truck Loan in Coeur d'Alene, ID
A food truck loan pays for the vehicle, the kitchen built into it and the equipment on the line. Partners read the builder's quote, the vehicle title or the dealer's invoice, and the operator's experience. A restaurant adding a truck has its own sales history to show; a first-time operator with no trading history is a startup request, which Stonehollow does not arrange.
Food Truck Lender in Coeur d'Alene, ID: Who Finances the Vehicle and the Build
Truck builders, vehicle lenders and equipment finance companies can each fund part of a food truck. A single equipment request covering the finished truck can be clearer than separate loans for the chassis and the kitchen, because the finished unit secures the whole balance. The equipment financing page covers the structure.
Food Truck Lending in Coeur d'Alene, ID
Health permits, commissary arrangements and fire inspections come before the first sale. Confirm them with the county and the city before the truck is built, and keep the documents with the request; a partner may ask whether the truck can legally operate once delivered.
Restaurant Funding in Coeur d'Alene, ID: A Dining Room Remodel Worked Through
Illustration only, invented figures: a full-service restaurant plans a $140,000 remodel of its dining room and bar. It puts $20,000 in and asks for $120,000 over 84 months at an assumed annual rate of 10%. The payment is $1,992.14 a month, about $23,906 a year, which the restaurant's past earnings need to carry while the room is closed for the work. Equipment in the remodel can be split off and financed separately.
The article on financing a restaurant remodel goes through the steps in more detail.
Buying an Existing Kootenai County, ID Restaurant
Buying a restaurant that already trades brings its equipment, lease, staff and sales history. A term loan for the purchase is read on the seller's returns and card statements. The coffee shop page covers cafes, the working capital page covers the weeks after a takeover, and the Coeur d'Alene, ID page has the county tables.
By Stonehollow Lending · Updated
