A commercial kitchen is expensive to build and costly to keep current. Restaurant equipment financing spreads the cost over time and keeps your cash free for food, staff and rent — using the equipment itself as collateral, so approvals stay flexible.
What restaurant owners finance
- Cooking line — ranges, ovens, fryers, grills, hoods.
- Refrigeration — walk-ins, reach-ins, prep tables, ice machines.
- Warewashing & prep — dishwashers, mixers, slicers.
- Front of house — POS, furniture, bar equipment.
The equipment is the collateral. That keeps equipment financing more flexible on credit than an unsecured loan — with low or no down payment.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | Startup-friendly on equipment |
| Credit score | No minimum on many programs |
| Monthly revenue | $10,000+ for revenue-based options |
| Documents | Application + equipment quote |
Need funds for payroll, inventory or a remodel too? Add working capital or see all restaurant business loans.
Frequently asked questions
Can I finance used equipment?
Yes — new or used, from a dealer, auction or private sale.
With bad credit?
Often yes; the equipment secures the loan and revenue-based options approve on sales.
How fast?
Many approvals come same or next day once you submit a quote and basic documents.