Restaurant Equipment Financing and Leasing Options
Finance kitchen equipment, refrigeration, and restaurant systems with flexible terms—even with less-than-perfect credit. Providence Capital Funding helps restaurant owners get the equipment they need quickly without large upfront costs.
Providence Capital Funding has helped hundreds of restaurant owners — from independent food trucks and local diners to franchises and catering companies — get the equipment they need without draining their cash reserves. We understand that restaurants operate on tight margins, and tying up tens of thousands of dollars in equipment purchases isn’t always practical. With a 94% approval rate, financing terms from 24 to 84 months, and decisions in as little as 24 hours, we make it easy to get your kitchen fully equipped and operational fast. We work with all credit types and even approve deals that traditional banks decline.
We’ve helped dozens of different types of companies from Franchises, Food trucks, Local small businesses to start ups get the equipment they need. We know how essential POS systems, refrigerators, and restaurant cooking supplies is. We even work with vendors to help you secure new or used equipment. Give us a call today to learn about our excellent kitchen equipment lease programs.
How Restaurant Equipment Financing Works
1. Choose your equipment or supplier
2. Submit a quick application
3. Get approved in 24–48 hours
4. Receive and install your equipment
Services We Provide
- Less than 24 Hour Approval Time
- Application Only Up to $250,000
- Competitive Lease Rates
- 100% Finance Programs
- Free Lease Quotes & Consultation
- 60-90 Day Deferral Programs
- Terms 24 – 84 months
- Start Up & Expansion Financing
Why Lease Restaurant Equipment Instead of Buying?
For most restaurant operators, leasing makes more financial sense than purchasing outright. Here’s why:
Preserve your cash flow. A full commercial kitchen buildout can cost $50,000 to $150,000 or more. Purchasing outright ties up capital that could be used for staffing, marketing, inventory, or handling slow seasons. A monthly lease payment keeps that money working for your business.
Upgrade as your needs change. Restaurant technology — especially POS systems and food prep equipment — evolves quickly. Leasing gives you the flexibility to upgrade to newer models at the end of your term rather than being locked into aging equipment.
Predictable monthly expenses. Fixed monthly payments make budgeting easier. You know exactly what your equipment costs every month, which simplifies financial planning especially during seasonal fluctuations.
Potential tax advantages. Under Section 179 of the IRS tax code, many businesses can deduct the full cost of qualifying equipment in the year it was placed in service. Lease payments may also be deductible as a business expense. Consult your tax advisor for details specific to your situation. Learn more about Section 179 benefits here.
Get approved even with less-than-perfect credit. Unlike traditional bank loans, our financing programs are designed to work with a wide range of credit profiles — including startups and restaurant owners who have been turned down elsewhere.
Why Choose Providence Capital Funding
- 94% approval rate
- $1B+ funded
- All credit types welcome
- Fast approvals in 24–48 hours
- Application only up to $250,000
- Custom financing structures
- We approve deals banks decline
What Is Restaurant Equipment Financing?
Restaurant equipment financing allows business owners to purchase or lease kitchen and dining equipment through affordable monthly payments instead of paying upfront.
We finance
Restaurant Equipment
- Point of Sale Systems
- Walk in Refrigerators, Freezers, and Coolers
- Kitchen Build outs
- Food Prep Equipment
- Serving Carts
- Bar Equipment
- Catering and Portable Equipment
- Commercial Ovens
- Catering Equipment
- Restaurant Furnishing
- IT Software and Equipment
- Display Cases
- Bakery Equipment
- Food Truck Equipment
- Ice Machines
- Cleaning Equipment
- Commercial Stove
- Commercial Appliances
Who We Help
Providence Capital Funding has helped hundreds of restaurant owners — from independent food trucks and local diners to franchises and catering companies — get the equipment they need without draining their cash reserves. We understand that restaurants operate on tight margins, and tying up tens of thousands of dollars in equipment purchases isn’t always practical. With a 94% approval rate, financing terms from 24 to 84 months, and decisions in as little as 24 hours, we make it easy to get your kitchen fully equipped and operational fast. We work with all credit types and even approve deals that traditional banks decline.
We serve:
- Independent restaurants and diners
- Fast casual and quick service restaurants
- Food trucks and mobile food vendors
- Franchise operators
- Catering companies
- Bars and nightclubs
- Bakeries and cafes
- Ghost kitchens and delivery-only concepts
“Our Rep Noah was pleasurable to work with. He used his decade of restaurant experience to help us find the best equipment for our needs. He even brought up very valid points to help us improve efficiency. Sometimes it isn’t the best business decision to buy used equipment like in this case. While the finance amount wasn’t very high, we still felt taken care of.”
Eli S., President
Monsey, NY
Restaurant Equipment Financing FAQs
What is restaurant equipment financing?
Restaurant equipment financing allows businesses to purchase or lease restaurant equipment with monthly payments instead of paying upfront.
What restaurant equipment can be financed?
You can finance kitchen equipment, refrigeration, POS systems, food prep equipment, furniture, and dining room upgrades.
Can I finance a full restaurant kitchen?
Yes, full kitchen builds can often be financed, including ovens, fryers, refrigeration, prep stations, and POS systems.
Can I finance restaurant equipment with bad credit?
Yes, many restaurant owners qualify with bad credit based on business performance, cash flow, and equipment value.
How fast can I get approved?
Most approvals happen within 24–48 hours, with funding shortly after.
Can startups qualify for restaurant equipment financing?
Yes, startups may qualify depending on the business plan, equipment type, and overall strength of the application.
Can I finance used restaurant equipment?
Yes, both new and used restaurant equipment can typically be financed.
Is it better to lease or finance restaurant equipment?
Leasing can offer lower payments and flexibility, while financing allows you to own the equipment over time.
How much does restaurant equipment financing cost?
Costs vary based on equipment price, credit profile, term length, and financing structure.
Can I finance refrigeration equipment?
Yes, walk-in coolers, freezers, prep tables, and refrigeration systems can often be financed.
Can I finance POS systems?
Yes, POS systems, tablets, kiosks, and restaurant management technology can often be included.
How do I apply for restaurant equipment financing?
Submit a short application and receive a decision in as little as 24 hours here.