Flexible Restaurant Equipment Financing 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.
We all know how hard it is to grow your business without the capital or equipment that you need. Just like how hard it is to make good decisions on an empty stomach. As essential as restaurants are, it’s an extremely competitive market. Having your kitchen and supplies in top order is important so you can focus on other aspects of your business. Our knowledgeable Equipment professionals can help you take your business to the next level and help you discover the best options that make sense for your business.
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?
Avoid large upfront costs on new and used restaurant equipment. Upgrade to the latest equipment for your restaurant. Add additional equipment to expand the capabilities of your business.
Why Choose Providence Capital Funding
- 94% approval rate
- Fast approvals in 24–48 hours
- $1B+ funded
- Flexible financing structures
- All credit types welcome
- 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
“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.