Restaurant Equipment Financing
Get Competitive Restaurant Equipment Financing Rates in the Industry.
We know that your time is valuable. The restaurant equipment search while working with design, contractor and landlord can be difficult already, so when it comes to financing restaurant equipment, Liberty Capital uses a simplified online application process to get you the financing that you need as fast as possible. Compared to traditional lenders, our advantages to you include:
- Simple Application
- Financing up 110% equipment cost
- Up to $250,000 with a simple one-page application
- Up to $5,000,000 with financial statements
- 100% pre-funding approval
- Approve nationwide equipment vendors
- 12 – 60-month fixed payment terms
- No down payment required for qualified borrowers
- Lowest Rates in the industry for qualified borrowers
- Eligibility for all new and used equipment financing
- Will not appear on personal credit reports
- No pre-payment penalties
- Startup ok!
We’ve provided Restaurant Equipment Financing for Franchisors who are mandated to upgrade such as kitchen equipment or upgrade the entire store. We are a direct lender that specializes in the restaurant industry, so we can develop a customized finance solution geared to enhancing your expansion plans.
Broad Range of Restaurant Equipment Financing Solutions…
| Feature | Business Loans | Equipment Leasing | Equipment Financing |
| Ownership | 50% | 100% | 100% |
| Initial Costs | $0 | Low to moderate | Varies |
| Monthly Payments | Monthly, Daily, Weekly | Monthly | Monthly |
| Credit Minimum: | 500 | 600 | 650 |
| Fund Disbursements | Client | Vendor | Vendor |
| New/Used Equipment | n/a | Yes | Yes |
| Maximum Term | 24 months | 60 months | 60 months |
| Time in Business | 3+ years | Startup OK | Startup Ok |
| Interest Rates | Moderate | Low | Low |
| Application Only | $150K | $250K | S250K |
Restaurant Equipment Financing Options
Choose Between Equipment Finance Agreement or Equipment Lease for Kitchen Equipment
Liberty Capital accommodates clients with two financing options that will yield very little working capital outlay.
- $99 for the first 6 months: Requires only $99 to start
- 90-day Deferred Payments – $0 for the first three months
- Quick online application only up to $250,000
- Funding maximum $5,000,000
- Other off-balance sheet financing – Fair Market Value, 10%
- Lease – $1 buyouts
- Terms from 12 – 84 months
Easier to get than a traditional business loan
Business equipment loans are easy to get. Here is why:
Less paperwork
Fast processing time
Less stringent requirements for qualifying
No collateral needed, the equipment is the collateral
May require less credit score for you and your business as well
Are you a restaurant equipment vendor?
Restaurant Equipment Vendors. What part do they play?
We have utilized our years in business, experience in verifying and vetting restaurant equipment vendors, and formal resources to weed out vendors that are not well suited for our customers. To that end, we recommend looking for those who are reputable. We can get the vendor approved for you as well. To avoid fraud, we work with you to make sure you are successfully protected from unscrupulous vendors. Contact us quickly before putting any down payment to any vendors without verifying their history. We can do that for you!
Become an approved Liberty Capital restaurant equipment vendor? Click here to sign up. See our vendor programs and credit guidelines here. To download our vendor package, click here.
App-only Financing up to $250,000 for Restaurant Equipment
These solutions typically involve two primary options:
- Restaurant Equipment Financing: Businesses secure equipment financing for restaurants in their kitchen and manufacturing facilities. These restaurant kitchen equipment financing options allow businesses to spread the cost of the equipment over time, making it more affordable for business owners.
- Restaurant Equipment Leasing: Leasing involves off-balance sheet financing in the form of Fair Market Value (FMV). During the lease term, the business pays regular payments to the leasing company. Payments are deducted 100%. At the end of the lease term, the business may have the option to purchase the equipment, typically 10% or based on current fair market value, return the equipment, or negotiate a new lease agreement for upgraded equipment.
Both financing and leasing options offer benefits such as preserving cash flow, avoiding large upfront costs, and providing flexibility by consistently having updated equipment. Additionally, financing and leasing solutions for equipment may include maintenance, installation, delivery, and service agreements.
Get Started Today!
If you’re seeking a reliable funding partner for your restaurant equipment financing needs, apply online today or call our Funding Specialists at 888-588-4128 for personalized assistance. Let Liberty Capital Group, Inc. empower your business with comprehensive financing solutions tailored to your requirements. APPLY HEREOur small business financing experts are available to guide you through the funding Process.
Despite technological advancements, loans, especially in restaurant equipment financing, predominantly involve personal interaction with an underwriter to ensure as fraud prevention. Automation may not suffice, particularly when dealing with a third party like the vendor and the complexities of equipment purchase. In such scenarios, business owners are often better served by collaborating with a Business Loans Broker like Liberty Capital Group, Inc., who can steer them in the right direction.
Instant Quote Online
Use our instant online quote calculator to get an accurate no obligation quote.
Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
We will contact you to review your options.
Get Funds
Money will be deposited in your account in as little as 24 hours.
Restaurant Equipment Financing for startups and established companies.
Funding for equipment can be very useful at any stage, especially for startup restaurants. As you grow, it becomes even more crucial to get restaurant financing to preserve working capital. With a built credit history, opening a second or third location will go smoothly.
Once a restaurant hits 3 to 5 years in age, most lenders will feel comfortable lending. Banks will consider restaurants under 3 years as startups. Regardless, your credit will determine whether you can borrow as a startup restaurant or fund your future expansion.
Cash flow is king. Once paid, you can’t cash out of business equipment. Fixed assets should not be paid with liquid cash. There’s no secondary equipment marketplace to refinance your paid-off equipment. Liberty Capital understands that it’s not just about equipment financing; it’s all about the cash flow.
Credit Requirements for Startup Restaurants:
- Business license or active business entity with the secretary of state
- Personal guarantees required from all owners
- Minimum 600 credit score
- No bankruptcies in the last 7 years
- No unresolved tax liens
Whether you decide to lease, borrow, or buy outright, you will find that equipment leasing and financing is more easily accessible through a trusted funding source like Liberty Capital.
Vendor Sign Up
Are you equipment dealer or vendor?
please click here to signup for a vendor program, no payment for 90 days, monthly payments upto 60 month
Apply for financing for your customer as a vendor
Get Started Today
Our application process is easy. Simply fill out our quick, online application and start the process of securing financing for your start up practice. Our knowledgeable finance experts are here to assist you in obtaining a start up financing loan.
If you have any questions, we invite you to contact us
- 619-795-3123
- Mon – Fri: 6:00 am – 6:00 pm (EST)
