We help lots of restaurants and other small businesses with their expansion, loan, and cash advance needs. We are generally 20% to 50% lower than our competition. Visit our website and contact us for more information.
Can't understand why you are having trouble based on what you have stated here. It would seem that your local banks or any lender would be chasing you.
Couple of suggestions:
1) Have you looked into Business Cash Advances. Most Business Cash Advance providers will lend up to $500K per location - thus, you could leverage your current restaurant to pay for the new one (this would be solid financial management keeping your cash and collateral for other needs).
2) Search for the following companies - these are all legitimate (as opposed to funding universe) - and they tend to lend unsecured if your credit and cash flow is verifiable:
America One Unsecured
American Business Credit
3) You could also search for CIT or GE Capital - both could work secured deals based on your current operations (both business) either via collateralizing your inventory, equipment or cash flow or from a combination of all.
Do know that securing your loan will result in lower interest but could add costs in the expense and time it takes to value your collateral.
We offer information and resources on our web site just for business owners like you seeking capital to grow or expand. Our site is free to use (no gimmicks) so take a few minutes and look around - you might just find the resources you are looking for to propel you to that next level.