Equipment Financing
Restaurant equipment financing helps operators acquire commercial kitchens, refrigeration, HVAC, and dining equipment. When banks or vendor programs decline, alternative lenders may evaluate deals based on equipment collateral, revenue, and structure. Brokers and equipment vendors can refer opportunities through the referral partner process.
Restaurant operators need capital to outfit new locations, upgrade kitchens, and replace aging equipment. Banks often restrict restaurant lending due to industry risk and high failure rates. When traditional sources decline, equipment financing through alternative lenders may create options depending on deal structure, collateral, and revenue.
Restaurant equipment vendors and brokers routinely encounter buyers who were declined by banks or in-house programs. Without a referral channel, those deals may not move forward. Restaurant equipment financing through referral partners provides a path for deals that may qualify depending on structure, revenue, collateral, and lender guidelines. Financing options vary by lender; what one source declines, another may consider.
Commercial kitchen equipment—ovens, refrigeration, HVAC—has identifiable resale value. That can support equipment-backed structures when revenue and structure align with lender guidelines. See what is equipment financing and equipment vendor financing partners for broader context on how equipment deals are evaluated.
Situations where restaurant equipment financing is often sought:
Restaurant equipment financing operates through referral networks. A broker, equipment vendor, or advisor with a signed referral agreement submits the deal. The financing partner evaluates the opportunity and, if appropriate, matches it to a lender in their network. The referral partner does not broker the loan—they introduce the opportunity and may receive revenue share when the deal closes.
Deals are reviewed based on multiple factors: credit profile, revenue, time in business, equipment type and value, concept type, and structure. Opportunities may qualify depending on how these factors align with lender appetites. No approval is promised—each deal is evaluated on its merits.
Kitchen equipment declined by vendor program. A restaurant needs a new commercial range and walk-in; the dealer's in-house program declined due to credit. The vendor refers the deal to a referral partner network. An alternative lender with equipment-backed financing may consider the deal depending on structure and collateral.
New location declined by bank. An operator opening a second location needs full kitchen and dining equipment; the bank declined due to industry or time in business. The operator's consultant refers the client to a financing partner. Equipment financing may create options depending on revenue and collateral.
Broker deal outside lender box. A broker has a solid restaurant equipment deal that does not fit any of their current lenders. They submit to a referral partner network for evaluation. The network may match the deal to a lender with different guidelines.
Brokers use restaurant equipment financing when deals fall outside their primary programs. Equipment vendors use it when in-house financing declines a buyer. Consultants and CPAs use it when clients need restaurant equipment and have been declined elsewhere. The common thread: a need for a different evaluation than the first lender provided.
Equipment financing is not a guarantee. It is an additional path to explore when the first path did not work. Send declined business loans and hard-to-place business loans for review through the referral partner process. Review the referral agreement before submitting.
Submit borrower and equipment details by email.
We evaluate the opportunity and identify possible funding paths based on multiple factors.
Partners stay informed throughout the process.
When a deal closes, partners may receive 35% revenue share per the agreement.
FAQ
Commercial ovens, ranges, refrigeration, HVAC, prep tables, dishwashers, point-of-sale systems, and dining furniture. Lenders evaluate equipment type, useful life, and resale value. Eligibility varies by lender and program.
Banks may decline due to industry risk, high failure rates, credit, or time in business. Alternative lenders may evaluate restaurant equipment deals differently based on collateral, revenue, and structure. Each deal is evaluated on its merits.
Equipment vendors with a signed referral agreement can refer buyers declined by in-house programs. Vendors introduce the opportunity; the financing partner evaluates it. Learn how vendors get paid for referring financing when deals close.
Credit requirements vary by lender. Equipment-backed deals may consider borrowers with lower credit when equipment collateral and revenue support the transaction. Approval is not guaranteed—each deal is evaluated on multiple factors.
New restaurants may qualify depending on lender guidelines. Some programs consider newer businesses when equipment collateral and structure support the transaction. Time in business requirements vary by lender. Each deal is evaluated on its merits.
Yes. Brokers and vendors who refer deals must have a signed agreement with the financing partner. The agreement defines compensation, protects both parties, and establishes the process.
Food trucks, catering operations, and other food service businesses may qualify for equipment financing depending on lender guidelines. Equipment type, revenue, and structure are evaluated. Each deal is assessed on its merits.
Have a restaurant equipment deal?
Review the referral agreement, sign it, and submit opportunities for evaluation.
