Get Competitive Restaurant Equipment Financing In Hawaii
Restaurant equipment financing in Hawaii
Hawaii restaurants pay island prices for everything from walk-ins to hood systems, and most growth means a new location or a bigger kitchen. We finance restaurant equipment and expansions for startups and established owners on Oahu, Maui, the Big Island and Kauai, from plate-lunch spots and food trucks to resort dining, with shipping and installation rolled in.
Restaurant equipment we finance in Hawaii
New or used, from island suppliers or mainland restaurant dealers.
Which financing fits your restaurant?
| Best for | Keep in mind | |
|---|---|---|
| Equipment lease / EFA | Kitchen equipment, trucks | Equipment is the collateral |
| Term loan | Expansion, second location | Fixed payments, stronger credit |
| Line of credit | Inventory, slow seasons | Pay interest only on what you use |
| Working capital / MCA | Fast cash for short gaps | Highest cost; use sparingly |
We will tell you straight when a cheaper option fits. A cash advance should not pay for long-term equipment.
Watch: know your funding options
The truth about cash advances.
Funding your equipment.
Why Hawaii restaurants work with us
What you need to apply
- Online application (soft inquiry first)
- Equipment quotes or invoices
- 3–4 months of business bank statements (established)
- Business plan, lease and down payment funds (startups)
- Startups (pre-revenue or under 2 years): 650 minimum credit
See where you stand with the approval indicator.
$99 to start or a 90-day deferral
For well-qualified restaurants (strong credit, 3+ years in business and quality equipment), some programs start at $99 a month for the first 3 or 6 months, or defer the first payment up to 90 days on select programs so a new kitchen can open first.
From quote to grand opening
- Apply in 3 minutesSoft pull, no fee.
- Compare offersLease, EFA, loan or line.
- E-signSign online.
- We pay the vendorsInstall and start cooking.
Restaurant financing in Hawaii: common questions
Can a new restaurant in Hawaii get equipment financing?
Often, yes. Startups (pre-revenue or in business less than 2 years) need a minimum 650 credit score, industry experience and usually a down payment.
Can I finance equipment from a mainland restaurant dealer?
Yes. Many programs finance mainland purchases and can include shipping to the islands.
Can installation and the hood system be financed?
Usually, yes. Installation, delivery and ventilation work can often be included with the equipment on qualified deals.
Do you finance food trucks in Hawaii?
Yes. We finance new and used food trucks and trailers, including build-outs.
Is a merchant cash advance a good way to buy restaurant equipment?
Usually not. Advances are expensive and short-term. Equipment financing or a term loan is almost always cheaper for long-lived equipment.
Ready to upgrade or open your Hawaii restaurant?
Apply in 3 minutes or get a free quote. No fee, no obligation.
All financing subject to credit approval; terms vary by credit, time in business, financials and equipment. Liberty Capital Group, Inc. is not a tax advisor. NMLS #2009539 · CA DFPI #60-DBO49692.