Planning & cost

How Much Does It Cost to Open a Restaurant?

What it costs to open a restaurant and what drives the number — build-out, equipment, permits, deposits and working capital — plus how operators finance it.
Educational, not legal advice. Codes vary by jurisdiction — always confirm with your local health department and building authority (AHJ).

There's no single figure — a small quick-service spot in a second-generation space can open for well under $200,000, while a full build-out in a raw shell runs $500,000+. What matters is the drivers, because that's where you control the number.

Where the money goes

Financing & tax

Most operators don't pay cash. Equipment can qualify for the Section 179 deduction, and build-outs are a common SBA-loan use — see SBADecoded for the loan and tax side.

Frequently asked

How much does it cost to open a restaurant?
It ranges widely — roughly under $200,000 for a small quick-service concept in a former restaurant space, to $500,000 or more for a full build-out in a raw shell. Build-out, equipment and working capital are the biggest swing factors.
What is the biggest cost of opening a restaurant?
Usually the build-out/construction, followed by equipment and the rent deposits. Taking over a second-generation space that was already a kitchen is the single biggest way to cut the total.
What's the cheapest way to open a restaurant?
Start in a second-generation (former restaurant) space to reuse infrastructure, buy quality used equipment for low-duty positions, keep the menu tight to reduce required equipment, and finance rather than tie up cash.
Can you finance restaurant startup costs?
Yes — equipment loans and leases cover the equipment, and SBA loans are commonly used for build-outs and working capital. Equipment purchases may also qualify for the Section 179 tax deduction.

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