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Financing a restaurant acquisition | X-Group

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Financing a restaurant acquisition

Taking over a restaurant involves more than just paying the purchase price.

You need robust financing for your project. This requires a detailed breakdown of costs and a plan that takes the specific characteristics of the business into account.

Daniel SchäferDaniel Schäfer & the X-Group teamPersonal support with planning, funding, and financing ↗
Symbolic image: Keys and documents for a business transfer
Keys and documents for a business transfer · AI-generated image
What is included in capital requirements

Not just financing the purchase. Also plan for operations.

For founders and successors with a specific project in this sector.

Investment & acquisition

Purchase price and clear distinction between inventory and other assets

Ongoing operations

Transfer of lease agreement, compensation payments, investment backlog, and permits

Clarify before starting

Liquidity for staff, goods, and the transition phase

Industry-specific assumptions

What your plan will be measured against.

01

Previous revenues and costs based on reliable documentation

02

Impact of a new concept on customers and capacity utilisation

03

Future entrepreneur’s salary, new financing, and necessary investments

Your preparation

You can bring the following.

  • Project and desired start date
  • Cost estimates as well as existing contracts or draft contracts
  • Own funds and overview of further financing components
  • For acquisitions: existing business figures and purchase price documents
Our specific work

We will work on this with you.

  • Record investments, working capital and reserves in full
  • Explain industry-specific assumptions in the business and financial plan
  • Check suitable financing and funding options
  • Compile documents for the bank and next review steps
Costs and requirements vary depending on business and location. The plan does not replace any necessary licensing, contract or tax review.
From enquiry to the next step

This is our approach.

  1. 01

    Discuss initial situation

    Record the project, existing documents, and outstanding questions.

  2. 02

    Agree on scope

    Define services, required information, and costs.

  3. 03

    Prepare documents

    Work together on agreed content and figures.

  4. 04

    Prepare the next step

    Record results, responsibilities, and outstanding points.

Practical experience

A specific client case

Omar Alayoub

The Dawn GmbH · Gastronomy

Financing was required for a second restaurant location in Berlin. Difficulties with the original landlord made an adjustment necessary.

What was processed: X-Group supported with the business and financial plan, search for financing partners, and the revised bank submission.

The published report states a loan approval of approximately €300,000.

View the full client case ↗

Individual case from published X-Group client reports. No guarantee for other projects.

Frequently asked questions

Is there a standard financing amount?

No. A reliable amount is based on quotes, costs, available funds and the ramp-up plan.

Do you also support acquisitions?

Yes. In that case, the existing figures and any changes after the handover will be taken into account in the planning.

What can I prepare for the first meeting?

A brief description, location, timeline, estimated capital requirements, and any documents you already have are sufficient as a starting point.

What does working together cost?

The initial consultation is free of charge. For further services, scope and costs are agreed before engagement. Whether funding is possible depends on your case and the necessary approval.

What happens after I submit my enquiry?

In the financing check, you describe your current situation. In a personal discussion, outstanding points and the required documents are clarified. Afterwards, it can be determined which work is appropriate.

Can I start with incomplete documents?

Yes. Bring any drafts you have and a list of your open questions. Missing information and assumptions will be explicitly identified and added as the process continues.

Further professional sources: Chamber of Industry and Commerce (IHK): Planning documents and business acquisition

Let’s clarify your next step.

Describe your project in the financing check or book a free initial consultation directly.