While stated briefly, Kris has the most valuable piece of advice I could think of as well.
Where are you located? Small town, suburbs, downtown? Are you looking at creating a delco (Delivery\Carry-Out) store or more of a focus on a dine in concept?
The answers to these questions will all greatly affect how you approach your build out, and what advice is most pertinent to you. However, regardless of the answer, barrowing money on a business like this is a recipe for disaster.
Probably the best step to take is to tell the forum a little more about what you would like to do and we can help find ways to accomplish what you want much cheaper than you may have expected. I know the forum has been valuable to me in this regard.