Vfunding, you may have answered your own question there. Banks don't approve restaurants all that often as compared to other industry selects. Therefore, they are ripe for an alternative.

But as you mention, they are a huge pain in the ass sometimes. But they do rely heavily on equipment and upgrades which is also a major plus to a broker with that arrow in his/her quiver. Talking to them in restaurant speak goes a long way to getting them funded. Get them off the dialer and do it from 8-10 or 2-4 for best results.