Restaurant Equipment Financing Nationwide for Restaurants and Kitchens, $10K to $5M
🍳 Financing Built for Restaurant KitchensI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Restaurant equipment financing funds the gear that runs your kitchen, ovens, ranges, hoods, walk-in coolers, fryers, refrigeration and POS, without draining your cash. The equipment itself is the collateral, so approvals are fast and the gear helps secure its own loan. New build-out or a single broken-down line, I match you to lenders who fund restaurant equipment.
Restaurant Equipment Financing for Every Part of the Kitchen
Whether you’re outfitting a new kitchen, replacing a broken line, or upgrading to keep up with volume, there’s a path built for it. Here’s what restaurant equipment financing commonly covers.
Cooking Line and Ovens
Finance ranges, ovens, grills, fryers, broilers and the full cooking line that drives your menu.
Refrigeration and Walk-Ins
Finance walk-in coolers and freezers, reach-ins and refrigeration that keep your food safe and your inspections clean.
Hoods and Ventilation
Finance exhaust hoods, fire-suppression and the ventilation systems code requires over your cooking line.
POS and Technology
Fund POS systems, kitchen display screens, online-ordering hardware and the tech a modern restaurant runs on.
Dishwashing and Prep
Finance commercial dishwashers, prep tables, mixers, slicers and the back-of-house workhorses.
Bar, Furniture and Smallwares
Finance bar equipment, dining furniture, smallwares and the front-of-house gear that completes the room.
An Owner Replaced a Dead Walk-In Cooler Without Touching Payroll
A busy restaurant’s main walk-in cooler died on a Friday, thousands in food at risk and a weekend of service on the line. Replacing it meant a five-figure hit the owner could not pull from payroll and food cost without sinking the month.
They called me. I matched them to restaurant equipment financing where the new walk-in itself served as the collateral, so it approved fast and the payments spread out over the equipment’s life. The cooler was installed, the food was saved, and the owner kept the cash cushion intact.
That’s what the right match looks like for restaurant equipment. Don’t Beg the Bank! Get funded instead.
How I Fund Restaurant Equipment, the Right Tool for Each Need
Restaurant equipment financing isn’t one product. The right structure depends on what you’re buying. I match you to the one that fits, tap any to explore it.
Equipment Financing
The primary tool for kitchen gear, the equipment is the collateral, so approvals are fast.
See SBA 7(a)Equipment Leasing
Prefer to lease instead of own? Lower payments and easier upgrades as your menu changes.
See equipment financingSBA 504 and Real Estate
Own the building your restaurant operates in with long-term, fixed-rate commercial real estate financing.
See SBA 504Working Capital
Need gear plus operating cash? Working capital covers equipment and the months around it.
See working capitalWorking Capital
Cover gear plus payroll and food cost when you need more than just the equipment.
See working capitalLine of Credit
Revolving capital for the ups and downs of running a restaurant, draw only what you need.
See lines of creditQualifying for Restaurant Equipment Financing
Restaurant equipment financing is the easiest restaurant deal to approve, because the equipment itself is the collateral. That lowers the lender’s risk, so approvals are fast and credit requirements are more forgiving than an unsecured loan. Newer restaurants and bruised credit still have real options. I qualify deals honestly.
✅ What helps you qualify
- ✔A restaurant or food business and a clear list of the equipment you need.
- ✔Decent credit and a clear equipment list, the foundation for a fast approval.
- ✔A clear list of the equipment you need, new or replacement.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →The equipment is the collateral, so it helps secure its own financing.
- →Approvals are fast, often days, so a dead cooler doesn’t sink a weekend.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Restaurant Equipment Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your restaurant equipment financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Restaurant Equipment Financing From My Desk
A snapshot of the restaurant equipment financing I match to lenders nationwide, kitchen by kitchen. Every kitchen is different, yours starts with a conversation.
Restaurant Equipment Financing · Walk-In
An owner replaced a dead walk-in cooler in days, financed on the equipment itself, no hit to payroll.
Full Kitchen Line
A new concept financed its entire cooking line, ovens, ranges and hoods, into one equipment package.
POS Upgrade
A growing restaurant financed a new POS and kitchen display system, preserving cash for staffing.
How I Match Restaurant Equipment Financing to the Right Lender
Equipment lenders compete hard for restaurant deals because the collateral is right there in the kitchen. I work with many, so I match your restaurant equipment financing to the lender with the best rate and terms for your gear, whether you want to finance, lease or fold equipment into a larger package, and I review the options with you before you commit.
Here’s the reality for restaurant equipment. The smartest operators almost never pay cash for a five-figure oven or walk-in, because that cash is worth far more covering payroll, food cost and the slow weeks. Restaurant equipment financing uses the gear itself as the collateral, which keeps the lender’s risk low, makes approvals fast and forgiving on credit, and spreads the cost over the years the equipment will actually earn for you. New restaurants and operators with bruised credit still have real options here that they do not have on an unsecured loan. Equipment financing is one of the most common and accessible forms of small-business funding in the country.
The right structure depends on what you’re doing. Most kitchen gear runs through SBA 7(a) loan, and broader options live across the SBA loan programs. Ovens, ranges, hoods, walk-ins, fryers and POS are matched to equipment financing, where the equipment is the collateral. If you’re equipping a franchise restaurant to brand spec, the same gear can be folded into your franchise package. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Opening a new kitchen from scratch points to restaurant startup financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me what gear you need, one piece or a full line, new or replacement, and I’ll tell you honestly whether financing or leasing fits better, match you to the lender most likely to approve it fast, and stay with you through closing. Other food businesses, see my restaurant financing hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is restaurant equipment financing?
Can I finance equipment with newer or bruised credit?
Should I finance or lease restaurant equipment?
How fast can equipment financing close?
How much can I borrow for restaurant equipment?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Restaurant Equipment
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Equipment lending has its own specialist lenders who compete on rate and speed, and matching you to the right one, whether you finance, lease or bundle, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll make you wait while a dead cooler bleeds you. I match you to restaurant equipment financing built for your kitchen … finance the gear with the equipment as collateral, keep your cash for operations, close in days, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, restaurant performance, collateral and structure. Restaurant equipment financing generally ranges from $10,000 to $5 million depending on the gear. *Equipment financing is commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acqfinancing secured by the equipment itself rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.