Hard money lender for non-RE purchase?

[Richard White]

Hello, all. My wife and I have owned and managed STR condos in Carolina Beach and Wilmington, NC, for several years.
We are looking to purchase a restaurant in north Asheville. The sellers were under agreement with another buyer who pulled out when Helene came through (even though the restaurant suffered no damage), so they are looking to close quickly (end of year) and retire.

Does anyone know a bridge lender for a turnkey restaurant asset purchase? The restaurant currently does over $1 million in sales annually, and they’re only open 5 days a week for dinner. The Seller’s earnings are around $300,000 for the past 3 years. The asking price is $375,000, which includes all inventory and FFE. My wife and I can cover $75,000 or so, but we would need a loan for the rest until we can get a SBA 7a after closing. There is no real estate involved; they are on a lease.

My bank is currently looking at how much they can give us for a cash out refi of our rental condos, but we are trying to investigate all options.

Thanks for any advice.