Spread the cost of new ovens, coolers, POS systems, and full kitchen renovations over 12 to 60 months. Approval in 24 hours, no large down payment required.
Restaurant equipment financing lets you acquire commercial kitchen equipment — ovens, ranges, refrigerators, walk-in coolers, dishwashers, POS systems, smallwares, even full build-outs — without paying the full cost upfront. You spread the payment over 12 to 60 months, the equipment itself serves as collateral, and you preserve your working capital for operations.
Operating restaurants generating $20,000+ in monthly revenue qualify for equipment financing from $10,000 up to $5,000,000 per piece. Most equipment loans are approved in 24 hours, with funds disbursed directly to your equipment vendor or to your account once you've made the purchase.
With an equipment loan, you own the equipment from day one. The lender holds a lien on the equipment as collateral until the loan is paid off. You make fixed monthly payments — typically over 12 to 60 months. At the end of the term, the lien is released and the equipment is fully yours.
With a lease, you make monthly payments for use of the equipment over a set term. At the end, you have options: buy out for fair market value, buy for $1, return it, or upgrade. Leases often require no money down and have lower monthly payments than loans, but you don't own the equipment until the buyout.
Frequently Asked
Equipment financing is tied to a specific equipment purchase. Working capital is unrestricted cash. Equipment financing usually has lower rates and longer terms.
Yes. Used commercial restaurant equipment from a verified dealer can be financed. Terms are typically shorter (24-48 months) and may require a 10-25% down payment.
Most of our equipment financing programs require zero down payment for restaurants with strong credit and revenue. Lower credit or used equipment may require 10-20% down.
Most equipment financing applications are approved within 24 hours. Funds typically disbursed within 48-72 hours after approval.
Yes. Full kitchen build-outs can be financed as a single equipment loan if you have itemized vendor quotes. Build-out financing typically ranges $50,000-$500,000.
Yes. We approve restaurants with credit scores as low as 500. Lower credit may mean a small down payment or shorter term.
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Specialized financing for full commercial kitchen builds — ranges, hoods, refrigeration.
Learn MoreConvection, combi, deck, pizza, and conveyor ovens financed over 24-60 months.
Learn MoreWalk-in refrigeration and freezer units from $5K to $50K+ with flexible terms.
Learn MoreOperating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Approved on your revenue, not just your credit. Start your 1-minute application.
We're not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.
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