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Finance a walk-in, range, hood or POS system — new or used kitchen equipment — through a direct lending partner, or use working capital we provide in house.
When the walk-in dies or the range gives out, every service you're down costs covers you never seat. Restaurant equipment financing pays for the replacement or the upgrade over a term matched to how long the equipment will earn. Equipment financing is arranged through a direct lending partner, only after talking through the options with you and only if you choose to, at no fee to you; the partner’s terms, including any filing on the equipment, are set out in writing before anything is signed. Placement is free: we charge no fee for arranging it, and the partner’s written terms state its full cost before you sign. What we fund in house is working capital, and for many equipment purchases that is the simpler answer.
Ranges, ovens, hood and fire-suppression systems, walk-ins and reach-ins, dish machines, espresso equipment, POS systems and furniture packages can all be financed, new or used. The financing pays the vendor against its invoice, and the term is set against the useful life of the gear, so you are not paying for equipment you have already replaced. Our floor for every application applies here too: 4+ months in business and $10,000+ in monthly revenue. The partner’s terms, including the amount, the price, any deposit, the term and any filing on the equipment, are set out in writing before anything is signed.
A restaurant's statements read differently from most files, and mostly in your favour. Card settlements arrive as many small deposits on nearly every banking day, which is the deposit shape underwriting treats as durable, recurring business rather than one customer or one good month. What the account is usually thin on is balance, because margins here leave little sitting between settlements — and the average daily balance is what a payment is actually paid out of. Two practical notes follow. If your year has a quiet season, send last year's statements for the same four calendar months with this year's, because a quiet month that repeats on the same dates reads as a season rather than as volatility; and if the plan is an auction buy, arrange the financing before the paddle goes up rather than after.
A kitchen equipment facility is sized by the partner against the equipment and its resale value, and the amount is stated in writing with the partner’s other terms. If working capital we fund in house fits the need better, it is sized the usual way: 80%–150% of average monthly revenue, within $5,000 to $10 million. On working capital we fund in house, the decision comes within 24 business hours and, on deals up to $2 million, funding follows within 24 hours of approval — which matters when the walk-in died on a Friday.
Yes, through direct lending partners: we arrange it rather than fund it ourselves, and what we fund in house is working capital, which a restaurant can put toward equipment too. Equipment financing is arranged through a direct lending partner, only after talking through the options with you and only if you choose to, at no fee to you; the partner’s terms, including any filing on the equipment, are set out in writing before anything is signed.
A partner can: used and refurbished kitchen equipment, including auction purchases, is commonly financed, and age and condition shape the partner’s offer. Send the listing or the quote with your application, and the partner’s terms are set out in writing before anything is signed.
We arrange equipment financing through a direct lending partner; what we fund in house is working capital, which can pay for equipment too. One machine with a quote and a long working life is where a partner’s equipment financing tends to fit; several smaller purchases, installation and the costs around a replacement usually fit working capital. We talk it through with you before anything goes to a partner.
A partner states its own timeline, in writing. Working capital we fund in house runs on our clock: a decision within 24 business hours and, on deals up to $2 million, funding within 24 hours of approval, which may be the route that arrives in time. Say plainly that it is revenue-blocking — an emergency file gets handled differently from a planned upgrade.
Send the full quote, installation included, rather than the equipment price alone, so the conversation starts from the real cost. Direct lending partners often finance the full quoted amount, depending on your revenue and the equipment; the partner’s terms, including the amount, the price and any filing on the equipment, are set out in writing before anything is signed. Installation, like the rest of the work around a replacement, is also something working capital we fund in house can pay for.
The hood, the fan and the suppression unit are equipment: tangible, identifiable and resaleable, which is the test. Structural and building work that stays behind when you leave reads as a leasehold improvement, which fails that test. Building work can still ride along on a file with enough equipment behind it, but it is the first line cut when a file is tight, so send the contractor's quote itemised rather than as one total and the two can be told apart.
It can, unless the file explains it. We read your last four months of deposits first, as on every application, and a window that holds your quietest weeks can make a sound business look weaker than it is. Picking a date does not avoid that; a document does. Send last year's statements for the same four calendar months and say plainly that the business is seasonal, so a quiet winter reads as a season behaving as it did last time. A partner sizes its equipment offer on its own written terms; working capital we fund in house is sized from those deposits.