Restaurant Equipment Financing & Business Loans
Equipment, buildouts and working capital for restaurants
Liberty Capital finances full-service and quick-service restaurants, bars, cafes, bakeries, caterers, food trucks and franchise groups. Lease the kitchen, finance the buildout, and keep working capital on hand for payroll and inventory.
Restaurant financing by need
Startup financing for restaurants
Opening your first location
- Equipment leasing is the usual starting point; the equipment secures the deal
- Strong personal credit (650+) and restaurant experience help most
- Down payment or security deposit is common
- Signed lease and buildout budget speed up approval
Open 6+ months
- Working capital and lines of credit open up with steady deposits
- Equipment leasing for upgrades and second locations
- 3–6 months of bank statements and a YTD P&L
- $0 down is reserved for 5+ years in business, established PayNet and D&B business credit and 700+ personal credit
Lease what lasts, borrow for what turns
Leasing is an inflation buster: a fixed payment while food, labor and equipment prices rise. It is cash flow management, a low capital outlay compared with buying outright, so reserves stay intact through buildout and launch. Payments are low and manageable, terms run up to 5 years, and most leases end with a $1 buyout.
Equipment may qualify for Section 179, a potential 100% deduction (ask your CPA). You conserve cash for payroll and inventory, where restaurants actually run out of money.
From application to funding
- Apply onlineShort application; soft inquiry to start
- Bank statements3–4 months to verify revenue and set up autopay
- Equipment quoteMultiple vendors combined into one payment for up to 60 months
- Get fundedVendors paid directly; working capital to your account
Restaurant financing questions
Can a new restaurant get equipment financing?
Yes. Pre-revenue restaurants are reviewed case-by-case; strong personal credit, experience and a down payment help.
What restaurant equipment can be leased?
Kitchen equipment, refrigeration, hoods, furniture, POS and technology, new or used.
Can I combine equipment from several vendors?
Yes. We can put several vendors on one lease with one monthly payment.
Should I use an MCA for a restaurant buildout?
No. Daily payments are the wrong tool for long-term assets. Lease the equipment and use working capital only for short-cycle needs.
Will applying hurt my credit?
We start with a soft inquiry. A lender may run a hard inquiry only at final approval.
Ready to open or grow your restaurant?
Get a free quote or call (888) 511-6223.
Rates and terms disclosure: any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO), subject to credit approval. Startup rates vary and are subject to final approval. Application-only limits vary by credit, time in business, equipment type and industry; amounts shown are guidance, not a promise. $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. This is not an offer or commitment to lend. Not tax advice; ask your CPA about Section 179.