Ovens, walk-ins, hoods and dish machines without draining your operating cash. 5-minute application, soft credit pull, no tax returns required.
Finance My EquipmentRestaurant Equipment Financing
Whether a cooler just failed or you are adding a second cooking line, equipment financing keeps payroll and food money where it belongs.
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.
Apply in 5 minutes with about three months of bank statements. Qualified restaurants can be funded in as little as 24 hours.
FICO 500 and up is considered. Strong, steady deposits carry real weight in the review.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your repayment schedule is set out in the offer up front, so you can budget around it.
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.
A combi oven that holds temperature, a walk-in that stays cold and a dish machine that keeps up with Saturday night all translate directly into covers served. When one of them fails, or when you are ready to add a second line, equipment financing lets you get the gear in place without draining the account you use for payroll and food.
| Area | Typical equipment |
|---|---|
| Cooking line | Ranges, combi ovens, fryers, griddles, salamanders |
| Cold storage | Walk-ins, reach-ins, prep tables, ice machines |
| Ventilation | Hood systems, fire suppression, make-up air |
| Front of house | POS terminals, bar equipment, espresso machines |
| Sanitation | Dish machines, three-compartment sinks |
Used and new equipment both come up. Tell us what you plan to buy and we will review it with your file.
We focus on the restaurant's deposits, usually about three months of business bank statements, along with what you already pay to other lenders. That tells us what level of payment the business can carry comfortably. No tax returns are required, and FICO 500 and up is considered.
Funding ranges from $25,000 to $5,000,000. Your offer lays out the full repayment amount and the repayment schedule before you accept, so there are no surprise costs after you sign.
Emergencies and upgrades call for different planning. When something breaks mid-service, speed matters most; decisions move fast and qualified restaurants can be funded in as little as 24 hours. Our equipment repair funding page covers that scenario. For planned upgrades tied to a second location or bigger menu, see restaurant expansion funding.
Get a quote together from your supplier, then apply in about 5 minutes.
The best equipment purchases pay for themselves. A second fryer that cuts ticket times on wing night, an ice machine that ends the daily run to the store, or a more efficient dish machine that saves labor all have a clear return. Before you apply, estimate what the new equipment will add in sales or save in costs each week, then compare it with the repayment schedule in your offer. That simple check keeps the purchase working for the restaurant instead of the other way around.
Yes, used equipment comes up often. Share the details of what you plan to buy and we review it alongside your deposits.
It helps. A quote or invoice shows exactly what the funds cover, though you can start the application first.
FICO 500 and up is considered. We weigh your deposit history and existing obligations as heavily as the score.
Decisions move quickly, and qualified restaurants can be funded in as little as 24 hours.
No. About three months of business bank statements and a short application are enough to start.
Example uses for illustration only.
Prepare these items to make your equipment request clear.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding