Opening a new restaurant costs about $50,000 to $75,000, and that’s the bare minimum you’ll need. Those are the figures for a small, simple restaurant, such as a café or a diner. If you don’t have that much cash at your disposal, you may be able to borrow on the equity of your home or other property. Traditional banks are probably not going to finance your restaurant dream if you have bad credit. However, the good news is that others may look beyond your credit score and offer you financing.