I am 90% there. I have all of the equipment I need and I am about $15,000.00 short. I have about 80k invested already and trying not to ake on a partner.
First, as I'm sure you know, starting a restaurant is one of the most difficult businesses to start. Not to discourage you, but a large percent of attempted restaurants fail - I hope yours is one that succeeds. Since you have already personally invested so much, it would be wise to get the rest of the funds from elsewhere. I would recommend trying to get a loan/investment from someone close to you (i.e. your parents, in-laws, friends, etc.) Best of luck!
If you own your restaurant equipment then you can pull money out of them. You can do a lease buy back. How this works is that you sell your equipment to a finance company who then leases the equipment back to you. The equipment never leaves your facility and the transaction takes place fairly quickly. You will still have to qualify for this type of financing but it may be your best option if you are having a difficult time finding traditional funding.
The business can also split the types of finance into categories relating to length of time the money is needed for
Short-term: bank overdraft
Medium term: bank loan; lease; hire purchase; government grants
Long term: bank loan; mortgage; share issue (for limited companies); debenture
so decide for how long you want loan and go for it!!!
Best of Luck!!!!!
Just thinking outside the box here: crowdfunding maybe? It seems super long term, but I have seen some businesses/restaurants get the funding they need (about ~$5000) over a period with the right networking. Maybe IndieGoGo, Kickstarter, or Rock The Post? Just an option, there are also some great ideas here as well.