Restaurant and Food Service Equipment Financing

In food service, every ticket, table turn, and catering order depends on reliable equipment. Ovens, fryers, refrigerators, dishwashers, walk-ins, and POS systems are all expensive, and paying for them upfront can drain cash you need for payroll, inventory, and rent. Flexible food service equipment financing lets you spread those costs over time so your kitchen stays productive and your cash flow stays healthy.

Restaurant and Food Service Equipment Financing Programs

Our programs for Restaurant and Food Service Equipment Financing are built for busy owners and operators who cannot afford downtime. Instead of waiting on traditional bank loans with long lists of conditions, you can get restaurant equipment financing that reflects how your business actually works: peak hours, slow seasons, and the constant need to maintain food safety and service quality.

You can finance new or used equipment from dealers or manufacturers, or bundle several items into one plan when you remodel or expand. Options are available for established restaurants, fast-casual concepts, franchises, caterers, and ghost kitchens. With simple documentation, quick decisions, and clear payment terms, you get a practical path to keep your back of house ready for every rush. For qualified businesses, some programs feel close to food service equipment financing guaranteed, with streamlined reviews and competitive structures.

Minimum Requirements for Restaurant & Food Service Equipment Financing

Most food businesses that qualify meet basic benchmarks similar to the ones below:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Restaurant & Food Service Equipment Financing Options

Small Business Loan

This option supports core food service equipment financing needs such as ovens, ranges, grills, fryers, combi ovens, and steamers. Payments are spread across a term that matches equipment life so you can keep cooking without sacrificing working capital.

Merchant Cash Advance

Use this structure to secure funds for restaurant equipment like refrigeration behind the bar, ice machines, glass washers, beverage systems, and hostess/ordering stations. Ideal when you are upgrading guest areas but do not want to drain cash for cosmetic and service improvements.

Business Line of Credit

Walk-in coolers, freezers, display cases, and prep fridges protect your inventory and food safety standards. This program lets you get restaurant equipment financing for cold storage, shelving, and specialized food-holding equipment that keeps product fresh and compliant.

Collateral Loans

Modern operations rely on POS systems, kitchen display screens, online ordering integrations, and payment terminals. These packages focus on tech and software, providing near food service equipment financing guaranteed experiences for qualified operators who need to modernize quickly.

Bad Credit Business Loans

When you are opening a second location, adding a patio, or rebranding, this option allows you to combine multiple equipment purchases into one facility. You can include smallwares, prep tools, and select build-out items so your entire project is backed by a predictable payment plan.

Restaurant & Food Service Equipment Financing Services

Running a restaurant or catering operation means managing staff, suppliers, health inspections, and customer expectations all at once. Equipment failure during a dinner rush or banquet can damage your reputation and your bottom line. Our equipment financing services are built to help you avoid those situations by keeping your kitchen properly outfitted and ready.

We start by understanding your concept, average volume, and growth plans. You provide recent financial information and a list or quote for the equipment you want to purchase or upgrade. From there, we structure a Restaurant and Food Service Equipment Financing solution that aligns with your busy schedule and projected sales. Documentation is straightforward, approvals are typically quick, and funds are sent directly to your dealer or vendor so installation can begin with minimal delay.

Who We Serve

Frequently Asked Questions

What is the process for getting food service equipment financing?

You select the equipment you want, complete a short application, and share recent financial information. We review your revenue, time in business, and equipment list, then present terms tailored to your operation. Once you accept, we work with your vendor so you can receive and install the equipment with minimal interruption.The process is straightforward. Simply submit your application, provide the necessary documents, and get approved within a few business days. We make the process fast and easy so that you can focus on your business without delays.

What are the repayment terms for restaurant equipment financing?

Repayment usually follows fixed monthly payments over a set term, often aligned with the expected life of the equipment. This makes it easier to budget around payroll, rent, and food costs. In some cases, structures can be adjusted to account for seasonality or slower months so restaurant equipment financing stays comfortable.

Can I qualify if my credit score is not perfect?

Owners with less-than-ideal credit may still qualify, especially if the business shows strong sales and consistent deposits. Lenders often look at cash flow, time in business, and the equipment being financed in addition to credit. Terms may vary, but many operators can still access food service equipment financing even while rebuilding their credit.

What are the eligibility requirements for food service equipment financing guaranteed-style programs?

Programs that feel close to food service equipment financing guaranteed usually expect stable monthly revenue, at least several months of operating history, majority ownership, and a clean standing with vendors and landlords. Meeting these points helps lenders move quickly and offer simple approval paths for qualified restaurants.

Restaurant and Food Service Equipment Financing