Industry financing

Restaurant Equipment Financing

Finance kitchen equipment, POS systems, and restaurant fixtures with fast approval and competitive rates. Restaurant equipment financing helps restaurants finance kitchen equipment, POS systems, and fixtures. Equipment types include ovens, ranges, refrigerators, dishwashers, POS systems, furniture, and fixtures. Loan terms: rates 6–30% APR, terms 2–7 years, amounts $5k–$500k+. Equipment serves as collateral, reducing lender risk. Approval in 24–72 hours. Requirements: 6+ months in business, $10k+/month revenue, 600+ credit. Benefits include preserving cash flow, spreading cost over time, using equipment while paying, and tax benefits (depreciation).

Equipment You Can Finance

  • Kitchen Equipment: Ovens and ranges, refrigerators and freezers, dishwashers, food prep equipment, ventilation systems
  • Technology & Systems: POS systems, payment terminals, kitchen display systems, inventory management
  • Furniture & Fixtures: Tables and chairs, bar equipment, display cases, signage
  • Vehicles: Food trucks, delivery vehicles, catering vans

Benefits of Equipment Financing

Preserve Cash Flow: Don't tie up capital in purchases. Spread expenses over time while generating revenue through equipment use.

Fast Approval: Equipment financing approves in 24–72 hours. Collateral reduces lender risk.

Tax Benefits: Businesses may claim Section 179 deduction or bonus depreciation plus deduct interest payments.

Flexible Terms: Terms match equipment lifespan (2–7 years). Can finance new or used equipment with optional maintenance packages.

Financing Terms & Rates

Interest Rates: Typically 6–30% APR based on credit profile, equipment type, and loan size. Higher credit scores receive better rates.

Loan Terms: Generally 2–7 years aligned with equipment expected lifespan. Longer terms reduce monthly payments but increase total interest.

Loan Amounts: Range from $5k–$500k+ depending on equipment value and business financials.

Down Payment: Typically 10–20% of equipment value; some lenders offer 0% down. Trade-in value may count toward down payment.

Qualification Requirements

  • Time in Business: 6+ months (12+ months preferred)
  • Monthly Revenue: $10,000+ (higher preferred)
  • Credit Score: 600+ (higher scores get better rates)
  • Equipment Quote: Required to process the application

Frequently asked questions

Can I finance used equipment?
Yes, both new and used equipment qualify. Used equipment may carry slightly higher rates as lenders assess value and condition.
What's the approval process?
(1) Apply online, (2) Provide equipment quote, (3) Get approval in 24–72 hours, (4) Sign documents, (5) Funds disbursed to vendor.
Can I pay off early?
Most loans permit early payoff without penalties. Early repayment saves interest, though borrowers should verify terms for any restrictions.

Ready to get funded?

Apply once and get a clear funding offer in 24–72 hours — no hard credit pull to pre-qualify.

Apply Now — It's Free →