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Kitchen & Restaurant Equipment Loans – Business Finance

The hospitality sector is vibrant, exciting and extremely popular with staff and patrons. But it can also be a tough industry to achieve success. Rents, labour costs, power costs and the fluctuations in produce prices contribute to high overheads and the need for tight cost controls. We assist operators keep the costs of acquiring new cooking and food prep requirements to a minimum with lower rates and flexible terms on financing. We provide expert commercial lending services for eateries setting up a new establishment and for existing operators to upgrade and replace existing assets.

Business Finance Kitchen & Restaurant Equipment Loans – Business Finance
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Compare Lower Interest Rates on Restaurant Kitchen Equipment Loans

To keep client funding costs to a minimum, we source lower interest rates for all credit options in our portfolio. Rates vary with funding products and will vary for different applications. When preparing budgets and comparing brands and models, use our current rates as a guide. For a precise quote based on your application and purchase, call us or request a quote online.

Loan Amount Loan Term
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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.

17 May

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 17/05/2024 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.

17 May

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 17/05/2024 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.

Affordable Finance Solutions Available
Get Restaurant Kitchen Finance through Specialist Hospitality Sector Brokers

Sourcing funding can be a challenge even for the sharpest and most long-standing hospitality operators. Dealing with banks and finance companies can be extremely time-consuming and to obtain the most workable offer, multiple applications and quotes may be required.

Utilising our services, operators have the entire funding process handled on their behalf. Our brokers are specialists in commercial lending, have specific experience in the hospitality sector, know financials, know current tax rulings and we connect with our lenders at an industry level. Allowing for negotiations on rates, terms and packaging many of the smaller items required for food preparation and cooking into one funding arrangement.

  • Brokers with experience in hospitality industry financing.
  • Australian owned, operated and located finance broker company.
  • 20+ years of experience in sourcing workable funding for Australian operators.
  • Sharp financial acumen, up to date with current tax benefits.
  • FBAA Member, Licensed Credit Provider as governed by ASIC.

Find Flexible Lenders - Connect Today!
How to Connect with Lenders that Offer Flexible Loans for Restaurant Kitchen Equipment

Not all lenders are not in a position to or prepared to be flexible and negotiable when it comes to talking rates and especially terms. Often it can be obtaining the right lending terms which result in a repayment schedule that works with cash flow, that can be the tipping point between a workable outcome and an outcome that continually pressures the operation financially.

With our large coverage of the commercial lending market, we are in a position to provide clients with access to lenders that know the hospitality sector and are prepared to be flexible. Over our 20+ years in the industry we have built up significant leverage with many of our lenders. Leverage which we use to negotiate lower rates and workable terms for our clients.

Where clients do prefer to source funding through their current banking partner, our brokers will handle negotiations with that lender on their behalf.

  • 80+ Lenders including the major banks and industry-specific non-bank lenders.
  • Skilled negotiators to source lower rates, flexible terms.
  • Cooking and food prep equipment package financing.
  • Services available to all sized restaurants, brasseries, bistros and cafes.

Explore Various Loan Types
Restaurant Kitchen Equipment Loan Types

Commercial ovens, refrigeration units, dishwashers, food prep benches and other items for cooking in a commercial set-up are considered as assets. Operators can select the type of credit facility from the range of asset acquisition funding products that will best suit their accounting practices, strategies and objectives.

  • Restaurant Kitchen Equipment Chattel Mortgage Finance
  • Restaurant Kitchen Equipment Lease
  • Commercial Hire Purchase (CHP) for Restaurant Kitchen Equipment
  • Rent-to-Own Loan for Restaurant Kitchen Equipment
Various Financing Options for Restaurant Kitchen Equipment

Affordable Financing Solutions
Restaurant Kitchen Equipment Finance Solutions for New Operators

New eateries continue to open across the country as many chefs, former managers and foodies venture into opening their own establishment. We support new operators that may not meet all the criteria for funding with the right lenders and credit facilities.

  • No Financials Loans for Restaurant Kitchen Equipment
  • Restaurant Kitchen Equipment Loans with No Docs and Low Docs
  • Loan for Restaurant Kitchen Equipment for New, Start-up Establishments
Tailored Kitchen Equipment Financing for Start up Restaurant Operators

Tailored Financing Solutions
Individually Structured Restaurant Kitchen Equipment Loan Solutions

We work closely with clients to fully understand their operating model and financials and structure solutions to specifically target key objectives.

  • Fixed lower interest rates to keep overheads on budget.
  • Flexible fixed loan terms to suit the type and working life of the kitchen equipment.
  • Fixed repayment schedule to work with cash flow projections.
  • Tax optimised restaurant kitchen equipment loans.
Customized Finance Options for Restaurant Kitchen Equipment
Assortment of New and Pre-Owned Restaurant Kitchen Equipment

Flexible Financing Options for New and Used Restaurant Kitchen Equipment
Get Loans for Restaurant Kitchen Equipment New and Used

We handle funding requirements for new and used machines and appliances. Working with clients to package smaller priced items into a funding package with a simplified repayment schedule. Funding can be sourced for the wide range of items required by different sized establishments and different cuisines.

  • Loans for commercial refrigeration, fridges, freezers, ice machines.
  • Financing commercial ovens, deep fryers, bain maries, cooktops, induction cooking systems, chargrills, warming units.
  • Loans for food preparation benchtop appliances – food processors, mixers, slicers.
  • Finance for ancillary items – cooking oil filter systems, exhaust canopy, stainless steel benches, cabinets, shelving, racking, storage, food prep counters
  • Commercial dishwashers and stainless steel sinks finance.

Quick and Easy Financing
Fast Approval for Restaurant Kitchen Equipment Finance

When preparing budgets to setup or replace cooking area machines, use our calculator to assist with estimates on loans. When buying at auction or when needing to replace broken items asap, we can arrange fast approvals – within 24 hours!

Swift Authorization for Financing Restaurant Kitchen Equipment

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FAQs
Restaurant Kitchen Equipment Loans

Establishments purchasing cooking and food prep units can select from Chattel Mortgage, Lease, Rent to Own and CHP to fund the purchase. These facilities vary with interest rate, balance sheet and tax approach and suitability to cash or accruals method of accounting.

The interest rate on commercial funding products vary and there are variations across the lending sector. Lenders assess each application and make a rate offer based on that assessment. The rates advertised by lenders typically refer to new goods and applicants with good credit rating.

Lenders request a range of financial records and documents to complete the commercial lending application form. If new operators do not have these documents, they may seek lenders and brokers that offer no doc, low doc and without financials facilities.

Credit products vary in the way the balance sheet is approached, in the way tax deductions are realised and how they work with other accounting practices. The best option is the one that is sync with the set-up and objectives of the individual applicant. Operators are advised to refer to their accountant for advice on selecting credit products.

Different credit products offer varying tax benefits. Lease and Rent-to-Own include tax-deductible monthly payments. Chattel Mortgage and CHP include a tax deduction when the goods being financed are depreciated. Interest on funding is tax deductible.

Applicants may apply for a funding solution which includes multiple items. This will be subject to lender approval with certain criteria applying. Operators may seek the assistance of a broker in sourcing lenders that facilitate this option.

The same credit products can be used to fund both new and used goods. The interest rate on used goods can be different from the rate for new goods. Lenders may apply additional conditions on funding for used goods.

Yes. Assets purchased for a commercial operation can be eligible for commercial funding.

Commercial financing products use the goods being acquired as the security for the funding. For some applicants and some purchases, lenders may request additional collateral. Where requested, operators may offer security by way of other assets or personal guarantees.

Yes. Leasing includes the option for a residual. This is a portion of the funding amount which is due for payment in full at the end of the lease term. Residuals are in line with ATO rulings.

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Our Lenders

Trusted by 60+ lenders Australia-wide

Westpac
Liberty
Automotive Financial Services
Macquarie
Finance One
Commonwealth Bank
Pepper Money
Morris
National Australia Bank
RACV
Get Capital
Prospa
Grow
Selfco Leasing
Scottish Pacific