Hospitality Equipment Finance
Hospitality equipment finance provides the necessary capital to outfit commercial kitchens, bars, and dining areas without draining your operating cash. In the hospitality sector, financiers often look closely at the venue's location, the experience of the operators, and the durability of the equipment being financed. Since the equipment acts as security, it can be easier to secure than an unsecured business loan, though the fast-paced nature of the industry means lenders may apply stricter criteria for new startups. The main trade-off is between higher-flexibility rental-style agreements and lower-rate equipment loans; the former is easier to obtain for new venues, while the latter offers better long-term value for established businesses. We help you navigate these options by comparing multiple providers tailored to the Australian food and beverage industry.
When it makes sense
- Commercial ovens and combi-steamers
- Commercial dishwashers and glass washers
- Walk-in cool rooms and freezers
- High-end espresso and coffee machines
- Point of Sale (POS) systems and hardware
- Kitchen ventilation and exhaust systems
- Commercial refrigeration and display cases
- Stainless steel benches and fit-outs
Indicative terms
| Amount range | ,000 to $1,000,000+ (indicative) |
| New vs second-hand | Both accepted (indicative) |
| Deposit | 0% to 15% indicative |
| Indicative rate range | 7.50% – 14.00% p.a. (indicative) |
| Term | 1 to 5 years (indicative) |
| Residual/balloon | Up to 20% indicative |
| Documentation | Low doc options available (indicative) |
| Settlement time | 24 to 72 hours (indicative) |
How it works
- Venue Profile — Tell us about your restaurant, cafe, or bar and the specific equipment you're looking to acquire or upgrade.
- Lender Shortlist — We compare specialist hospitality lenders who understand the industry's seasonal nature and specific equipment lifespans.
- Fast Application — We help you compile the necessary documents—often just basic business records for established venues—to get a quick decision.
- Equipment Delivery — Once approved, the financier pays the supplier, allowing you to get your new gear installed and generating revenue immediately.