Hospitality Equipment Financing for Restaurants & Hotels
Furnish, equip and upgrade without draining cash
Liberty Capital finances hotels, motels, resorts, restaurants, bars, event venues and senior living dining: furniture, fixtures and equipment (FF&E), kitchens, laundry, technology and guest amenities. New or used, nationwide.
Hospitality equipment we finance
Why hotels and restaurants lease
Brand standards and guest expectations change faster than equipment wears out. Leasing is an inflation buster, a fixed payment while prices rise, and cash flow management: a low capital outlay compared with buying outright, so cash stays free for staff and marketing through seasonal swings. 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 the next renovation.
Payments that fit hospitality
What it takes to qualify
- 600+ credit for smaller deals; 650+ for $50K and up
- 3–4 months of business bank statements
- Vendor quotes or a renovation budget
- 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 and acquisitions
New restaurants, newly acquired hotels and new venues are reviewed case-by-case. Industry experience, a franchise agreement or management company and a down payment help.
Hospitality equipment financing questions
Can hotels finance furniture, fixtures and equipment (FF&E)?
Yes. Guest room and public-area furniture, fixtures and equipment can be leased or financed.
Can I finance a franchisor-required renovation (PIP)?
Often, yes, especially the equipment and FF&E portion. Larger projects need financials.
Do you finance used restaurant and hotel equipment?
Yes, from dealers or private sellers, usually with shorter terms on older items.
Can several vendors be combined?
Yes, on one schedule with one payment.
Will applying hurt my credit?
We start with a soft inquiry.
Ready to refresh your property?
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.