Replace tired coolers, add checkout lanes or upgrade the deli without emptying your operating account. Apply in about 5 minutes.
Price My EquipmentEquipment Financing
Refrigeration, POS and prep equipment protect every dollar of perishable stock. Financing spreads the cost so weekly ordering stays on track.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
About three months of statements and a 5-minute application. Funding in as little as 24 hours for qualified stores.
FICO 500+ considered. A soft pull starts the process, and steady deposits matter.
Your offer lists the full repayment amount before you accept, with no surprise costs once you sign.
The repayment schedule is laid out in the offer up front, so you can plan around delivery days.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Walk a grocery store after closing and you'll hear it: compressors cycling, freezer cases humming, the bakery oven cooling down. Nearly every dollar of perishable inventory depends on equipment running around the clock. When a unit gets old, energy bills climb and the risk of losing a full case of product climbs with them.
Equipment financing lets you put in the new reach-in, the upgraded checkout lanes or the deli slicer without draining the operating account you need for weekly vendor orders.
If a unit has already failed and you need cash for repairs rather than a replacement, see grocery store equipment repair funding.
We keep the paperwork light. The 5-minute application starts with a soft credit pull, and we ask for about three months of business bank statements. No tax returns are required. FICO 500+ is considered, and sole proprietors can apply.
The amount depends mainly on your deposits and the obligations you already have. A store adding a second location may also want to read our page on grocery store expansion funding.
For illustration: an independent market with two aging freezer cases gets a quote for replacements plus installation. Instead of pulling that from the account used for produce and payroll, the owner applies for equipment financing, reviews the offer showing the full repayment amount and the schedule, and only then decides. The old cases come out, the new ones go in, and weekly ordering continues as usual.
Not every noisy compressor needs a full replacement. Ask your refrigeration tech for an honest read on the remaining life of the unit and compare repair costs with replacement. Older cases often use far more energy, and the risk of losing a full load of dairy or frozen product adds to the real cost of waiting. If replacement makes sense, plan the install for a slower day of the week so the changeover doesn't disrupt your busiest shopping hours.
Equipment financing ties funding to a specific purchase. For flexible draws, look at a business line of credit for grocery stores. For general needs like inventory or payroll, working capital may be a better match. Ready to price new equipment? Start your application.
Tell us what you plan to buy in your application. We review each request based on your store's deposits and the purchase itself.
A quote helps us understand the amount you need, so have one handy if you can.
Funding can arrive in as little as 24 hours for qualified businesses after your statements are reviewed.
No single factor decides. FICO 500+ is considered, and your deposit history carries real weight.
Every offer shows the full repayment amount and the repayment schedule before you accept.
Example uses for illustration only.
Before you apply, a little preparation can make the review smoother.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding