Restaurant Equipment Financing
From a single walk-in cooler to a full commercial kitchen build-out — Equipment Finance Academy helps restaurant businesses finance new and used equipment fast, with rates from 6.99% and approvals in as fast as 4 hours.
Get Pre-Qualified NowQuick answer
Yes, restaurants can finance new and used commercial kitchen equipment from $30,000 to $5 million with Equipment Finance Academy. Because the equipment serves as collateral, approvals come in as fast as 4 hours with rates from 6.99% for qualified borrowers, and financing preserves the working capital restaurants need for payroll, inventory, and rent.
- New & used kitchen equipment financed
- Rates from 6.99% APR
- Terms up to 84 months
- $0 down for qualified borrowers
Why Restaurant Businesses Finance Equipment
Restaurants run on thin margins and unforgiving timelines. A failed walk-in cooler or a delayed kitchen build-out can cost you thousands in spoiled inventory and lost covers. Equipment financing lets you install the ovens, refrigeration, and prep stations you need now while spreading the cost over the equipment's useful life instead of draining the cash you need for payroll, food costs, and rent.
We finance the full range of front- and back-of-house equipment for independent restaurants, franchises, food trucks, cafes, and ghost kitchens. New or used, purchased from a dealer or at auction, our terms are built around the seasonality and cash-flow reality of food service.
Restaurant Equipment We Finance
New or used, from dealers, auctions, or private-party sellers — these are the restaurant equipment types we finance most.
Commercial ovens & ranges
Finance new or used commercial ovens & ranges with terms up to 84 months and $0 down for qualified borrowers.
Walk-in coolers & freezers
Finance new or used walk-in coolers & freezers with terms up to 84 months and $0 down for qualified borrowers.
Refrigeration & prep tables
Finance new or used refrigeration & prep tables with terms up to 84 months and $0 down for qualified borrowers.
Dishwashers & sinks
Finance new or used dishwashers & sinks with terms up to 84 months and $0 down for qualified borrowers.
POS & ordering systems
Finance new or used pos & ordering systems with terms up to 84 months and $0 down for qualified borrowers.
Food trucks & trailers
Finance new or used food trucks & trailers with terms up to 84 months and $0 down for qualified borrowers.
Why Restaurant Businesses Choose Equipment Finance Academy
Protect Working Capital
Keep cash on hand for food costs, payroll, and rent while your equipment pays for itself over time.
Fast Enough for Emergencies
When a cooler or fryer fails, approvals in as fast as 4 hours get you back to service before it hurts revenue.
Section 179 Tax Savings
Deduct the full purchase price of qualifying kitchen equipment the year it's placed in service.
Estimate Your Restaurant Equipment Payment
Use our free equipment financing calculator to estimate your monthly payment, total cost, and Section 179 tax savings on your restaurant equipment.
Equipment Financing Calculator
Estimate your monthly payment, total cost, and Section 179 tax savings
No impact to your credit score
*Estimates only. Actual rate depends on creditworthiness, time in business, and equipment type. Rates as of July 31, 2026. Section 179 savings are an estimate — consult your tax advisor and verify current limits.
Ready to Finance Your Restaurant Equipment?
Get pre-qualified in minutes with no impact to your credit score, or estimate what your equipment is worth first.
Restaurant Equipment Financing FAQs
Explore more industries we finance or get a free equipment valuation.