Restaurant equipment financing and leasing, fast.

Apply for financing today to build your business, upgrade your equipment, or fund your next project.

$
Applying is free and won't impact your credit*
$250K restaurant equipment loan approved!

Reviews from restaurant owners.

Business owners love that Lendio helps them get funding without the headaches.

Proven restaurant equipment lending expertise.

Get the answers and the funding you need with support all along the way.

$857 million

in small business funding facilitated in the last decade.

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21,000 Trustpilot® reviews.
50% repeat customers.

75+ lenders

providing broad coverage for small business lending.

Four simple steps to restaurant equipment funding.

Tell us about your business.

Answer a few simple questions and complete the application in minutes.

Submit your application.

We’ll present your application to our marketplace 75+ lenders. Applying is free and won’t impact your credit score.

Compare offers.

Find the funding option with the terms that best fit your small business goals.

Get funded.

Once you accept, funding can hit your bank account in as little as 24 hours.

Quickly estimate your funding options.
Time In Business
0 - 6 Months
6 - 12 Months
1 - 3 Years
3+ Years
Monthly revenue
Industry
Credit Score
Business type
Legal partnership
LLC
Corporation
Sole proprietor
Congrats--it looks like you qualify.*

Based on your business information you could qualify for up to $ 52,000 in funding

Funding amount *

$ 36,000 - $ 52,000

*Amount is an estimate only using the information provided Businesses like yours typically receive offers like these.
Compare your funding options today.
Apply now

Many businesses don't qualify for funding for all kinds of reasons. A few factors could include:

Not enough revenue
Not enough time in business
Credit score is too low

*Qualification criteria, rates, and other funding terms will vary depending on the type and location of your business, and upon other factors. This is not a guarantee of funding, and it should not be relied upon as an accurate assessment of the availability or terms of the represented funding products.

How much can I qualify for?

Not sure what you need or what funding options are best for you? Use our simple calculator to get a rough idea of your options with no commitment, and apply when you’re ready.

Lendio knows the restaurant equipment business.

Whether new or established, restaurants are powered by their equipment. Because of this, restaurant equipment financing is an excellent way to fund your restaurant dreams without burning through a bunch of capital all at once.

Bridge seasonal slow-downs

Purchase or lease kitchen equipment

Refinance existing debt

Pay your staff

Invest in marketing

What type of commercial real estate funding is best for your business?

These are the most popular types of funding that other restaurant equipment-based businesses qualify for through Lendio.

Business Line of Credit

Access available funds whenever you need them, and only pay interest on what you draw.

Revenue-Based Financing

Access funding based on your future revenue and repay with regular payments.

Business Term Loan

Borrow a lump-sum with a set repayment schedule, and get funding quickly with online options.

What types of business loans are available to restaurant equipment businesses?

SBA Loan

An SBA loan is backed by the Small Business Association and offers some of the best interest rates.


Term Length
10-30 years
Max Loan Amount
$5 million

Term Loan

Get a lump sum to grow your business with a set interest rate and monthly payment.

Term Length
6 months-10 years
Max Loan Amount
$2 million

Line of credit

Give your restaurant a financial safety net with a business line of credit. Like a credit card, you can borrow funds as you need them.


Term Length
6-24 months
Max Loan Amount
Up to $250,000

FAQs

Find answers to some commonly asked questions in the restaurant equipment industry.

What is restaurant equipment financing?

All restaurants need equipment, and today many food operations demand intense, specialized items like commercial mixers, walk-in fridges, flat-top stove ranges, and pizza ovens. The high sticker price on these items can be prohibitively expensive for small business owners, especially if you’re a new restaurateur or looking to expand an existing business.

Restaurant equipment financing is a lending tool aimed at fixing this conundrum. Equipment financing empowers small business owners to buy a piece—or several pieces—of equipment and pay back the financing over time. Restaurant equipment financing, therefore, is a way restaurateurs can obtain restaurant equipment without paying for it all upfront.

How does restaurant equipment financing work?

To apply for restaurant equipment financing, you must identify first what sort of equipment your restaurant needs—ovens, blenders, ventilation, freezers, refrigerators, and safety equipment, for example. Almost any equipment can be financed, even non-electrical items like food-prep counters.

Some manufacturers, like Hobart, offer direct financing for their equipment. In other cases, you can decide on the equipment you need and then apply to financiers for the total cost.

If your credit score is relatively high and you have documentation showing that your business generates strong revenue, you can probably qualify for equipment financing. The application process for restaurant equipment financing is not as stringent as other forms of financing, like a term loan from a bank, in part because the restaurant equipment serves as collateral.

After approval, funds often arrive as soon as 24 hours. You can then buy the needed restaurant equipment with this money. Every month, you’ll pay the same agreed-upon repayment amount—and once the financing is repaid, which usually takes 1–10 years, you own the equipment.

What are the benefits of restaurant equipment financing?

Restaurant equipment financing allows your business to obtain expensive, but necessary, pieces of equipment without paying for it upfront—one of its major benefits. By doing this, you can start earning money using the equipment without costing a huge chunk of capital at once.

Can I finance restaurant equipment?

You can finance restaurant equipment of all types and sizes, from walk-in refrigerators to blenders and coffee makers.

Are there equipment financing options for bad credit?

If your credit score is below 650, you can still qualify for restaurant equipment financing. Financiers will review how long you’ve been in business and your restaurant’s revenues and cash flow. While a lower credit score may mean you’re offered financing with higher interest rates, the best way to proceed is by filling out a free application to see what financing is available.

Ready for funding?

See what you can qualify for on the Lendio Marketplace.