Kitchen Equipment Financing for Restaurants
Cooking, refrigeration and warewashing on one payment
Liberty Capital finances commercial kitchen equipment for restaurants, ghost kitchens, schools, hotels, caterers and food processors. New or used, from restaurant supply dealers or private sellers, with several vendors combined into one monthly payment.
Commercial kitchen equipment we finance
Why kitchens lease instead of paying cash
When a walk-in dies on a Friday, the fix can’t wait for cash flow. Leasing is an inflation buster, a fixed payment while equipment prices rise, and cash flow management: a low capital outlay compared with buying outright, so reserves cover payroll and food. Payments are low and manageable, terms run up to 5 years, and most leases end with a $1 buyout.
Kitchen equipment may qualify for Section 179, a potential 100% deduction (ask your CPA). You conserve cash for the things that keep the doors open.
$1 buyout, FMV or EFA?
| $1 buyout lease | FMV lease | Equipment finance agreement | |
|---|---|---|---|
| Payment | Moderate | Lowest | Moderate |
| Own at end | Yes, for $1 | Buy at fair market value or return | Yes, from day one |
| Best for | Ranges, hoods, walk-ins | POS and technology you will upgrade | Building equity |
| Section 179 | Often yes | Usually no | Yes |
*Application-only limits vary by credit, time in business and equipment.
What it takes to qualify
- 600+ credit for smaller deals; 650+ for $50K and up
- 3–4 months of business bank statements
- Itemized equipment quote (make, model, price)
- Larger deals: 2–3+ years in business and financials
- $0 down is reserved for 5+ years in business, established PayNet and D&B business credit and 700+ personal credit
Startups
New restaurants and ghost kitchens are reviewed case-by-case. Restaurant experience, a signed lease and a down payment help. Used equipment lowers the startup cost.
Kitchen equipment financing questions
Can I lease used restaurant equipment?
Yes, from dealers or private sellers. Older equipment may get a shorter term.
Can I finance equipment from more than one supplier?
Yes. We combine several vendors into one lease with one monthly payment.
Can installation be included?
Often, yes, including hood and walk-in installation, subject to approval.
How fast can I replace a broken walk-in or oven?
Application-only deals often get a decision within a business day, and the vendor is paid directly.
Will applying hurt my credit?
We start with a soft inquiry. A lender may run a hard inquiry only at final approval.
Ready to upgrade your kitchen?
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.