Restaurant & Food Service Equipment Financing
Get fast, flexible restaurant equipment financing to upgrade your kitchen, refrigeration, and POS systems. Our commercial equipment financing solutions help you grow without draining working capital.
Equipment Age
New & Used
Payment Style
Fixed Monthly
Credit Coverage
Wide Acceptance
Timeline
Quick Decisions
Restaurant Equipment Financing Made Simple
Running a successful restaurant means having the right equipment. A restaurant equipment loan helps you acquire commercial-grade ovens, refrigeration units, and POS systems without depleting your cash reserves. Learn more about how equipment financing works.
Why Restaurant Equipment Financing Works
- Quick Approvals: Often within 24-48 hours
- Flexible Terms: Match payments to cash flow
- Preserve Capital: Keep cash for operations
- Tax Advantages: Potential Section 179 deductions
Restaurant Equipment We Finance
Our restaurant equipment financing covers everything you need to run your operation:
Cooking Equipment
- Commercial ovens and ranges
- Deep fryers and grills
- Griddles and broilers
- Ventilation systems
Refrigeration and Storage
- Walk-in coolers and freezers
- Reach-in refrigerators
- Ice machines
- Prep tables with refrigeration
Beverage and Service
- Espresso and coffee machines
- Beverage dispensers
- Commercial dishwashers
- Display cases
Technology and Front-of-House
- Point-of-sale (POS) systems
- Self-service kiosks
- Digital menu boards
- Kitchen display systems
Don't see your equipment? We finance a wide range of food service equipment. Just ask about your specific needs for commercial equipment financing.
Equipment Loan Options for Every Business
We understand that every restaurant is different. Our equipment loan programs include:
| Option | How It Works | Best For |
|---|---|---|
| Equipment Leases | Lower monthly payments with upgrade flexibility at term end | Fast-changing tech |
| Equipment Loans | Build equity and own your equipment from day one | Long-term ownership |
| Equipment Line of Credit | Draw funds as needed for multiple purchases | Multiple locations |
Our platform lets you compare multiple commercial equipment financing offers side-by-side. Find the best rates, terms, and structures for your operation in minutes, not weeks.
Special Financing Programs
New Restaurant Startups: Startup programs available with solid credit profiles and industry experience. Typical requirements include credit score 650+, business plan, and industry experience.
Soft Costs Included: Finance installation, delivery, and setup costs as part of your package. Coverage includes equipment plus delivery, installation, and training.
Food Truck Financing: Specialized equipment financing for food trucks and mobile food operations. Complete truck and equipment packages available.
Fast Approval Process: Quick pre-approval and streamlined documentation for faster funding. Typical timeline is pre-approval in minutes and funding in 24-48 hours.
New restaurant owners should have strong personal credit (650+), industry experience, and a detailed business plan. A restaurant equipment loan can help you get started without draining all your capital for initial purchases.
Quick Summary
- Wide Equipment Coverage: Finance cooking, refrigeration, POS, and more
- Fixed Monthly Payments: Predictable costs for easier budgeting
- Quick Decisions: Often approved in 24-48 hours
Get fast approvals, flexible terms, and preserve your working capital. Compare offers from multiple lenders in minutes.
Ready to upgrade your kitchen? Use our equipment financing calculator to estimate monthly payments, or check your eligibility to see what you qualify for. Learn about Section 179 tax deductions that could reduce the cost of your equipment purchase.
Why Finance Your Equipment?
New Restaurant Startups
Restaurant equipment loan programs available for startups with solid credit profiles and industry experience.
Soft Costs Included
Finance installation, delivery, and setup costs as part of your commercial equipment loan package.
Food Truck Financing
Specialized equipment financing for food trucks and mobile food service operations.
Fast Approval Process
Quick pre-approval and streamlined documentation so your restaurant equipment financing moves fast.
Flexible Credit Options
Commercial equipment financing programs for varied credit profiles, from startups to established restaurants.
Customized Terms
Fixed monthly payments with equipment loan terms designed to match your equipment's useful life.
What Can You Finance?
Frequently Asked Questions
Can I get a restaurant equipment loan for a startup?
Can I include smallwares in my equipment financing?
Do you offer food truck equipment financing?
Can installation costs be included in my commercial equipment loan?
What are typical restaurant equipment loan terms?
How fast can I get approved for restaurant equipment financing?
Simple 3-Step Process
We've removed the friction from equipment financing. Get back to work faster.
Apply Online
Fill out our simple 2-minute application. No paperwork, no tax returns needed for deals under $250k.
Get Approved
Review your offers with a dedicated account manager. Pick the term and payment that fits your budget.
Get Funded
Sign documents electronically. The lender pays the vendor directly, and you get your equipment.