The U.S. restaurant industry, which includes quick service (fast food), fast casual (higher quality food but no full table service), and full service (full table service), is facing its toughest stretch in three decades. A report by market research firm NPD Group asserted that recovery in the restaurant industry will not take place before the second half of 2010, although the firm believes that the rate of decline in traffic and sales will start to decelerate in the first half of 2010, and some improvement may be registered by the third quarter. U.S. restaurant guest traffic dropped 4% for the quarter ended Sept. 30, 2009.

Coleman's small business banker lending guides are written for the small business underwriter. We have prepared a concise, 25 to 30 page report, that an underwriter or small business banker may read that will greatly enhance their knowledge of a particular industry.

The better your information, the better your loan decisions. That is critical in today's environment.

We haven't written Restaurant Lending 101. We assume the reader knows how to read a financial statement. We go behind the numbers, reminding the banker of facts they must consider in today's environment.

The guide is written for experienced bankers who want a quick refresher tutorial of the important facts they should consider in evaluating a loan request.

Edited by national small business lending experts the guide gives your team the transparent information to make better informed decisions.