Equipment Financing at the Speed of Service
Kitchen upgrades can't wait for peak season. Fast, flexible financing for restaurant equipment, POS systems, and hospitality upgrades from $25K-$300K.
Restaurants Can't Wait for Slow Financing
Peak seasons, grand openings, and equipment failures demand immediate action and flexible financing.
Equipment failures during rush?
Broken ovens, failed refrigeration, or aging POS systems during peak times cost revenue and customers. We finance fast so you can serve immediately.
Seasonal cash flow challenges?
Restaurant revenue fluctuates with seasons and events. Our financing structures accommodate your cash flow patterns and seasonal needs.
Expansion opportunities timing?
New locations, catering contracts, or delivery expansion require immediate equipment investment. Preserve cash while growing your business.
Kitchen efficiency improvements?
Modern equipment reduces labor costs, improves consistency, and increases throughput. Smart financing turns efficiency upgrades into immediate ROI.
Restaurant Equipment We Fund
Comprehensive coverage for all your restaurant and hospitality equipment needs
Kitchen Equipment
Commercial ovens, grills, fryers, ranges, convection ovens, steamers, food processors, and specialty cooking equipment
Refrigeration & Storage
Walk-in coolers, freezers, reach-in refrigerators, ice machines, display cases, food storage systems
POS & Technology
Point-of-sale systems, ordering kiosks, kitchen display systems, inventory management, payment processing equipment
Dining & Service
Furniture, bar equipment, beverage systems, dishwashers, warewashing equipment, dining room upgrades
Restaurant Success Stories
Real results from real restaurant businesses
Artisan Pizza Company
Challenge: Rapid growth demanded kitchen expansion but couldn't afford to tie up cash during peak season.
Solution: $180K financing for commercial pizza ovens, prep equipment, and dining room expansion with seasonal payment structure.
Result: 150% increase in daily capacity, 300+ new customers/week, ROI in 12 months.
Downtown Coffee House
Challenge: Aging espresso machine and refrigeration failing during morning rush, losing customers to competitors.
Solution: $85K for premium espresso equipment, refrigeration upgrade, and POS system with 24-month terms.
Result: 40% faster service, 60% increase in morning sales, customer satisfaction up 85%.
Restaurant Equipment Financing FAQ
What restaurant owners need to know about equipment financing
What types of restaurant equipment can be financed?
We finance commercial ovens (convection, combi, pizza, deck), ranges, grills, fryers, refrigeration systems including walk-in coolers and reach-in units, commercial dishwashers, food prep equipment, POS systems, bar equipment including draft systems and ice machines, ventilation and hood systems, furniture and fixtures, food trucks, and complete kitchen build-outs. Both new and quality used equipment qualifies, ranging from $25K to $300K per transaction.
Can I finance equipment for a new restaurant opening?
Yes. We work with new restaurant owners and experienced operators expanding to new locations. For new concepts, we consider the operator's industry experience, personal credit, business plan, and location quality. Experienced restaurateurs opening additional locations are strong candidates based on their proven track record and existing revenue from other locations. First-time owners with strong personal credit and relevant food service experience are also considered.
How fast can I get restaurant equipment financing?
Most restaurant equipment financing applications receive a decision within 24 to 48 hours. We understand that restaurant build-outs and renovations operate on tight timelines with contractors, health inspectors, and opening dates all coordinated. A delayed equipment delivery can push back your entire timeline. We move fast to keep your project on schedule, with funding typically occurring within 3 to 5 business days of approval.
Do you finance complete kitchen build-outs?
Yes. We can finance complete commercial kitchen packages including all cooking equipment, refrigeration, prep stations, ventilation systems, dishwashing stations, and POS technology in a single financing arrangement. Bundling a complete kitchen build-out simplifies your payments with one monthly amount instead of multiple separate payments, and can improve overall terms. We coordinate payment directly with your equipment suppliers and kitchen design firms.
Can I finance used restaurant equipment?
Yes. The restaurant industry has an active used equipment market with quality commercial kitchen equipment available at significant discounts. A used walk-in cooler, commercial range, or combi oven from a reputable restaurant supply dealer can save 40-60% versus new while delivering years of reliable service. We finance used equipment from dealers, restaurant auctions, and liquidation sales. Equipment must be in good working condition and commercially viable.
What is the typical down payment for restaurant equipment financing?
Down payment requirements vary based on credit profile, business history, and deal size. Established restaurants with strong financials may qualify for zero down. New restaurants and operators with limited business history typically need 10-20% down. We work with each applicant to find the best structure — the goal is to keep as much cash available for your opening inventory, staffing, and marketing as possible while still getting the equipment you need.
Do you finance food trucks and mobile kitchen equipment?
Yes. We finance food trucks, mobile kitchens, and the equipment inside them. Food trucks have become a popular low-overhead entry point into the restaurant industry. We can finance the vehicle, the kitchen build-out, and the equipment as a package. POS systems, generators, and specialty cooking equipment for mobile operations also qualify.
What documents do I need to apply?
For established restaurants, we need a one-page application, 3 months of business bank statements, and the equipment quote or invoice from your supplier. For new restaurant openings, we may also request a business plan, lease agreement for your location, personal financial statement, and details of your industry experience. There are no application fees and the process is designed to be quick and straightforward.
Smart Equipment Financing for Restaurant Owners
How to fund your kitchen without draining your bank account
Preserving Cash During Restaurant Launch
Opening or renovating a restaurant requires capital for equipment, build-out, inventory, marketing, staffing, licensing, and operating reserves. Equipment is typically the single largest expense, often $100K-$300K for a full kitchen. Financing lets you spread this cost over 24-60 months, keeping critical cash available for the other expenses that determine whether you survive the crucial first 6-12 months. A restaurant that opens with adequate working capital has a far better chance of surviving the ramp-up period than one that spent everything on equipment.
New vs. Used Restaurant Equipment
The restaurant industry has an active used equipment market. A used walk-in cooler, commercial range, or prep table from a reputable restaurant supply dealer can save 40-60% versus new while delivering years of reliable service. New equipment makes sense for items that directly impact food quality and speed of service — combi ovens, high-efficiency fryers, and modern POS systems. Many successful operators mix new and used strategically, buying new for critical cooking equipment and used for prep tables, shelving, and storage. We finance both, giving you flexibility to allocate your budget where it matters most.
Equipment That Drives Revenue
Kitchen equipment directly impacts your capacity, speed of service, menu capabilities, and food quality — all of which affect your revenue. Upgrading from a standard oven to a combi oven can expand your menu offerings and reduce cook times during rush periods. A modern POS system improves order accuracy, speeds up table turns, and provides data on your best-selling items. A high-efficiency dishwasher keeps clean plates flowing during peak service. Equipment financing makes these revenue-driving upgrades accessible without a major cash outlay, and the additional revenue they generate typically covers the monthly payment with room to spare.
Seasonal Considerations for Restaurant Financing
Many restaurants experience seasonal revenue fluctuations — beach towns peak in summer, ski resort restaurants peak in winter, and catering businesses often have busy and slow seasons. We offer flexible payment structures that account for these patterns, including seasonal payment adjustments and step-up plans that align with your revenue cycles. This ensures your equipment payments work with your cash flow rather than against it during predictable slow periods.
Building a Multi-Location Empire
Successful restaurant operators often expand to multiple locations. Equipment financing is a key enabler of this growth — rather than saving up $200K in cash for each new kitchen, you can finance equipment for the next location while your existing locations generate revenue. We work with multi-unit operators to streamline the financing process across locations, often with improved terms for repeat clients with a proven track record of success.
Ready to Upgrade Your Restaurant?
Join hundreds of restaurants who chose speed over bureaucracy