Nowadays, a great idea and a lot of enthusiasm aren't enough to get a new restaurant up and running. You'll probably need to borrow enough to get you started and in a financially sustainable position.
That's where banks come in. It pays to know what makes them tick—particularly in a tighter economy—and how you can avoid some of the biggest pitfalls to getting funded.
Here's what various bankers have told me over the years when they look at restaurant loans: