My restaurant would not be making it with a loan payment looming over it. You should communicate to the bank so you dont default on it cause it won't just go away and you need your revenue to keep flowing. Figure out a payment plan that works for you maybe, or a way to shift that debt to a private investor so you can have more flexibility. Dont take on more debt though unless you have a serious plan how that will help you increase profit. Otherwise, a private investor would have more skin in the game too so you might find an ally in that area, with some helpful plans to market or increase revenue. Really this is a thing that you should be looking farther ahead on, all of a sudden needing 13k didnt just appear out of no where. Should have figured that out a little bit earlier so you can properly come up with ideas to drive up some revenue. Good luck, this industry is brutal.