Getting a small business loan can be a challenging process, but it ultimately depends on several factors including the lender, the borrower's creditworthiness, and the specific business plan. While I cannot provide specific examples or references, I can give you a general idea of what to expect when applying for a small business loan for a restaurant in the US, particularly on the West Coast.

1. Creditworthiness: Lenders will assess the borrower's credit history, credit score, and financial stability. A strong credit score (typically above 680) increases the chances of loan approval. Lenders may also consider the borrower's personal and business assets, collateral, and existing debts.

2. Business Plan: A well-developed and detailed business plan is crucial when applying for a small business loan. The plan should include market analysis, financial projections, marketing strategies, and a clear repayment plan. Lenders want to see that the borrower has a solid understanding of the industry, potential risks, and a realistic plan for success.

3. Industry Experience: Lenders often prefer borrowers with prior experience in the restaurant industry. Having a track record of successfully managing a restaurant or relevant experience can increase the chances of loan approval. Lack of experience may require additional collateral or a higher down payment to mitigate the risk.

4. Down Payment: Lenders typically require a down payment for small business loans, which can range from 10% to 30% of the total loan amount. In the case of a $200,000 to $500,000 loan, the down payment could be $20,000 to $150,000. The borrower's ability to provide a substantial down payment demonstrates their commitment and reduces the lender's risk.

5. Collateral: Lenders may require collateral to secure the loan. This could include personal or business assets such as real estate, equipment, or inventory. Collateral provides lenders with a backup option if the borrower fails to repay the loan. The value and quality of collateral can impact the loan approval process.

6. Lender Selection: Different lenders have varying criteria and preferences when it comes to small business loans. It is advisable to research and approach lenders who specialize in restaurant financing or have experience in the hospitality industry. Local banks, credit unions, and Small Business Administration (SBA) loans are common options to explore.

7. Economic Conditions: Economic factors such as interest rates, local market conditions, and the overall state of the economy can influence the availability and terms of small business loans. In a strong economy, lenders may be more willing to extend credit, while during economic downturns, lenders may tighten their lending criteria.

It's important to note that the specific requirements and loan terms can vary significantly among lenders. It is recommended to consult with multiple lenders, compare offers, and work with a financial advisor or a Small Business Development Center (SBDC) to navigate the loan application process effectively.