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Commercial Kitchen Finance & Hospitality Loans
We support operators to secure workable funding when requiring new cooking and food preparation appliances and machines. Workable solutions at lower interest rates and with lower repayments to ensure overheads and operating costs are controlled and the establishment can work to achieve both patron popularity and balance sheet success. Whether setting up a new takeaway or dine-in establishment, upgrading and replacing or refitting an entire cooking space in a pub, hotel, cafe or bar, all operators can access our services without a referral.
This won't affect your credit score
Competitive Finance Rates
Compare Our Finance Rates for Commercial Kitchen Hospitality Equipment
We are extremely conscious of the fact that acquiring cooking appliances with funding means adding to monthly overheads. Overheads that may already be under pressure from rising rents, labour and ingredient costs. We address this directly by sourcing lower interest rates across our portfolio. Rates can vary based on specifics of the application. Use our current rates for planning and contact us to find out the rate we can source for your current requirements.
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Disclaimer: The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 16/02/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 16/02/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Expert Financing for your Equipment
Get Direct Access to Commercial Kitchen Hospitality Equipment Finance Specialists
Even the sharpest catering sector operators and industry veterans can face challenges when the need arises to source funding. It could be time challenges when the owner and decision-making has a hands-on role and needs to be cooking, serving or running the operation. It could be dealing with the lender terminology and paperwork with the application or not having the confidence and capabilities to negotiate with the bank.
Using our broker services and taking advantage of our considerable experience in catering asset funding allows operators to focus on operations while we focus on our speciality – the funding. We bring a lot of positives to the table – a vast number of lenders; knowledge of financials; understanding of the catering sectors; smart technology to streamline the process; and up to date intel on the latest asset acquisition funding tax rulings.
- 20+ years of commercial lending experience.
- Expertise in catering and hospitality equipment finance.
- Australian owned, operated and located.
- Member FBAA, Licensed Credit Provider.
Secure the Right Lenders
How to Access the Right Lenders for Commercial Kitchen Hospitality Equipment Loans
is connecting with the right lender as the lender market is extensive and some non-bank lenders are not available directly to clients. Across the sector, interest rates vary, approval criteria can vary and the flexibility of lenders to negotiate on terms and conditions can vary.
Through industry-level accreditations, we provide clients with access to over 80 lenders to ensure they receive the lowest rates and a solution that works for their operation. We use our leverage with lenders to negotiate on behalf of clients to achieve suitable terms and conditions. Funding aspects which can be critical to ensure budgets are met and cash flow not pressured.
- Access to 80+ lenders – major banks, major hospitality finance non-bank lenders.
- Negotiated terms and conditions.
- Access to flexible lenders.
Diverse Financing Options
Types of Loans for Commercial Kitchen Hospitality Equipment
Cooking and food preparation machines and appliances and ancillary items are considered asset and can be purchased with asset acquisition funding facilities. The choice of which is the most suitable facility for an individual establishment will depend on the method of accounting used, the approach taken to taxation, the strategy implemented for the balance sheet and the overall objectives of the operation.
We source solutions which are optimised for taxation and with fixed rates and terms to deliver a monthly commitment to meet cash flow expectations.
- Chattel Mortgage for Commercial Kitchen Hospitality Equipment
- Commercial Kitchen Hospitality Equipment Leasing
- Commercial Kitchen Hospitality Equipment CHP Finance
- Rent-to-Own Commercial Kitchen Hospitality Equipment Loans
- Fixed interest rate Commercial Kitchen Hospitality Equipment Loans
- Tax Optimised Finance for Commercial Kitchen Hospitality Equipment Loans
- Balloon options, terms up to 7 years
Tailored Financing Solutions
New Operator Commercial Kitchen Hospitality Equipment Loan Solutions
Operators setting up their first restaurant, eatery or takeaway outlet and wanting funding to equip the cooking facilities, may not meet the standard application criteria. They may not have all the financials and documentation requested by banks and some lenders and as a new venture, they would not have traded for the usual 12-24 month period to get approved.
We have accreditation with lenders that do approve funding under these circumstances and can provide:-
- Commercial Kitchen Hospitality Equipment Loans Without Financials
- No Doc Commercial Kitchen Hospitality Equipment Finance
- Low Doc Commercial Kitchen Hospitality Equipment Loan
Affordable Financing Options
Get Cost-effective Finance for New & Used Commercial Kitchen Hospitality Equipment
Upgrading, replacing or setting up, funding is available for the full range of goods required for cooking facilities.
- Financing commercial kitchen refrigeration systems, cool rooms, fridges, freezers.
- Loans for commercial cooktops, ovens, deep fryers, grills.
- Food prep benchtop appliance loans – blenders, food processors, slicers.
- Ancillary equipment finance – exhaust canopies, filter systems, benches, shelving, prep benches, storage cabinets.
- Commercial dishwasher loans.
- Stainless steel kitchen equipment finance.
Efficient and Quick Approval Process
Fast Commercial Kitchen Hospitality Equipment Loan Approval
We assist operators to get moving quickly on their acquisitions with fast application approval. Ensuring replacing broken or inefficient machine, getting new systems to meet new health regulations, or new appliances to prepare new dishes for the menu can happen quickly.
FAQs
Commercial Kitchen Hospitality Equipment Loans
The best funding for assets for an establishment is the option that suits the accounting method and approach to tax and the balance sheet. The selection includes Leasing, Chattel Mortgage, Rent to Own and CHP. There are differences with accounting and tax and operators are advised to refer to their accountant when selecting the best option for their set-up.
The interest rate for credit facilities differs with the product and will differ based on the lender assessment of the application. Applicants can use the rates shown by lenders as a guide for planning.
Not all banks and lenders have the capacity to provide funding for new operations. New operators can seek no doc and low doc options through non-bank lenders and brokers.
Yes. A cool room would be considered an asset and fundable through the selection of asset acquisition funding products.
How a tax benefit is realised differs with the types of credit facilities. The repayments on Rent to Own and Lease are deductible. With CHP and Chattel Mortgage, the interest portion of the repayment is deductible. To realise a tax deduction with CHP and Chattel Mortgage, the asset is depreciated in line with ATO rulings.
Where an operator requires the purchase of multiple appliances and machines to be incorporated into the one funding package, they will need to speak with individual lenders as to their capacity to do this. A broker may be of assistance in sourcing a lender that has the capacity to assist in this regard.
The same credit facilities apply to new and used goods but the interest rate and conditions may be different for used goods.
The balloon is part of a CHP or Chattel Mortgage agreement which is set aside and due to be finalised at the end of the term. It is a percentage of the total requested.
Most asset acquisition funding can be approved with the goods being purchased as the security. Some applicants may be required to provide additional security based on the credit assessment of the application by a lender.
An application for funding requires an ABN, ID and a range of documentation including financial records. These records may include income tax returns, BAS returns, bank statements, annual accounts and other records.
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Trusted by 60+ lenders Australia-wide
Trusted by 60+ lenders Australia-wide
