Can a brand-new restaurant request financing?

Newer businesses can submit a pre-qualification request. Documentation expectations and underwriting requirements are typically stronger for a first location, and we cannot promise eligibility.

Can I include installation and hood work?

Describe installation, ventilation, plumbing and electrical costs in your equipment description so the requested amount reflects the real project. What can be included is determined by the financing provider.

Do you finance used kitchen equipment?

Used restaurant equipment is commonly financed. Include the age, make and condition, since older refrigeration and cooking equipment often draws additional documentation requests.

What about hotel and lodging equipment?

Hospitality requests such as commercial laundry, kitchen equipment and property systems are accepted. Describe the property type and the guest capacity the equipment supports.

Restaurants & Hospitality

Restaurant & Hospitality Equipment Financing

A restaurant build-out or kitchen replacement usually has a hard deadline attached to it, whether that is a lease start, a remodel window or a health-department reinspection. Requests in this category are strongest when they describe the concept, the covers or rooms the equipment supports and whether the project is a new location, a replacement or an upgrade.

Restaurants & Hospitality equipment in operation at a United States business site

Equipment we see most in restaurants

Commercial kitchen equipment, refrigeration, ovens, fryers, dishwashing, bar systems, POS and hotel laundry.

Combi ovens, convection ovens and pizza deck ovens
Ranges, griddles, charbroilers and fryers
Walk-in coolers, freezers and reach-in refrigeration
Commercial dishwashers and three-compartment wash lines
Exhaust hoods, make-up air and fire-suppression systems
Bar equipment, espresso machines, POS terminals and hotel laundry

Common financing use cases

Opening a new location

A first or second location usually needs a full kitchen package at once. Describing the concept and the build-out schedule gives the reviewer real context.

Replacing equipment that failed

When a walk-in or hood system goes down, service stops. Starting a request immediately keeps options open while you get quotes.

Remodels, upgrades and added capacity

Adding a drive-thru, expanding a bar or upgrading to energy-efficient refrigeration are common reasons to request financing.

Details that usually come up in review

Restaurants and hotels are often seasonal or event-driven; describe your revenue pattern.
Kitchen packages usually combine many smaller items into one request, so list everything.
Installation, hood work, plumbing, electrical and permits are frequently part of the true project cost.
Leased space may involve landlord consent or fixture-attachment considerations.
Franchise concepts may have an approved equipment list; mention the brand requirements.

Submitting a pre-qualification request is not an application decision and is not an approval, offer or commitment to lend. All financing is subject to review and approval by the applicable financing provider.

Restaurants equipment financing questions

Ready to explore restaurants equipment financing?

Start a pre-qualification request. It takes a few minutes, no documents are needed to begin, and you will get a reference number for your records.

Check My Options Talk to a person

Phone: 888-629-3416 · Submitting a pre-qualification request is not an application decision and is not an approval, offer or commitment to lend. All financing is subject to review and approval by the applicable financing provider.

Last updated September 5, 2026 · Reviewed and published by Ai Loan Brokerage LLC, operating as EquipmentLoan.com (Loan Broker).