Get Competitive Restaurant Equipment Leasing
Restaurant Equipment Financing & Leasing—Fast, Flexible, and Transparent
We know your time is valuable. The equipment search is long— Equipment Leasing & financing shouldn’t be. Our simplified online application helps you secure funding fast, with structures that protect cash flow. From established to start up restaurants and food service industry.
Why Liberty Capital Is Different
- Up to 120% equipment cost (include install, delivery, setup)
- 100% pre-funding
- Up to $250,000 with a simple one-page application
- Up to $5,000,000 with financial statements
- Next-day funding approval
- Approved equipment vendors
- 12–60 month fixed payment terms (longer by program)
- No down payment for qualified borrowers
- Lowest rates in the industry for qualified borrowers
- New and used equipment eligible
- Will not appear on personal credit reports
- No pre-payment penalties
We finance mandated upgrades for franchisors—kitchen equipment, chairs, tables, lobby furniture, TVs, A/C, counters, and POS/reservation systems. We specialize in hospitality and tailor solutions to growth, image, and your bottom line.
Financing Options for Restaurants
| 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 | $250K |
Broad Range of Restaurant Equipment Financing Solutions
Replace failed equipment, expand, or leapfrog competitors—while minimizing cost and maximizing ROI. Liberty Capital makes leasing FAST, EASY, FLEXIBLE.
- $99 for the first 6 months (program-dependent)
- 90-day Deferred Payments — $0 for the first three months
- Working Capital loans for short-term cash-flow needs
- Application-only up to $250,000; full financials above $250,000
- Off-balance sheet options — Fair Market Value (FMV), 10%
- $1 Buyout Leases
- Terms from 12 – 84 months
Restaurant Equipment Financing vs Leasing—How They Work
Equipment Financing (EFA)
Spread the cost of kitchen and front-of-house equipment (chairs, tables, displays/cases, freezers) over time with fixed monthly payments.
Equipment Leasing (FMV)
Off-balance sheet structure. You make regular payments; often fully deductible as an operating expense. At term, purchase (e.g., 10% or FMV), return, or upgrade.
Both preserve cash flow, avoid large upfront costs, and keep your equipment current. Solutions may include maintenance, installation, delivery, and service agreements.
Are You a Restaurant Equipment Vendor?
We vet vendors to protect our clients and can approve your company quickly. Contact us before you place a deposit so we can help verify the seller and prevent fraud.
What Funding Restaurant Owners Use to Expand
- Build-Out Capital: Leasehold improvements, construction, design, signage
- Equipment Financing/Leasing: Kitchen appliances, refrigeration, ovens, grills, POS, furniture
- Line of Credit: Cover seasonality and short-term expenses
- Payroll Funding: Keep staff paid during slowdowns
- Inventory Financing: Buy in bulk; smooth cash flow for ingredients and supplies
Restaurant Equipment App-Only Financing up to $250,000
Equipment is a core asset—keep it current. Loans and leases both work; leasing can add tax advantages, protect cash flow, fight inflation, and reduce obsolescence risk.
Not all lenders take high exposure on restaurants. Limits can range $50k–$100k+ depending on age/credit of the business. Be realistic and consider equity investors when appropriate.
Get Started Today
If you need a reliable funding partner for your restaurant equipment, apply online or call our Funding Specialists for guidance. Human underwriters still matter—especially when vendors and large tickets are involved. Work with a broker who packages your deal right the first time.
Simple 4-Step Process
- Instant Quote — no obligation
- Apply Online — ~5 minutes
- Review Options — Leasing vs EFA, term & end-of-term choices
- Get Funds — as little as 24 hours after final approval
Why It’s Easier Than a Bank
- Less paperwork
- Faster processing times
- Equipment is the collateral—often no extra collateral required
- Credit-flexible programs available
FAQ: Restaurant Equipment Leasing
What credit score do I need?
Leasing programs often start around 600+, and financing programs around 650+. App-only programs extend to $250k for well-qualified applicants.
Can I include installation and delivery?
Yes—many programs allow up to ~120% to include soft costs like delivery, install, setup, and training (approval varies).
Is there a down payment?
Qualified borrowers may have $0 down. Startups or lower-credit profiles may need first/last or a security deposit.
Lease vs Finance—what should I pick?
If you upgrade frequently and want potential operating expense deductions, consider FMV leasing. If long-term ownership is the goal, an Equipment Finance Agreement or $1 buyout can make more sense. Always confirm tax treatment with your CPA.
How fast can I be funded?
Approvals can be next-day and funding as fast as 24 hours after final approval and documentation.
Popular Products & Resources
FInancing Options For Restaurants
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 |
Easier to get than a traditional business loan
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
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 HERE
Our 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.
