Equipment Financing

Faster, easier small business financing with one simple application—no bank needed.

Applying is free and won’t impact your credit.

Reviews From Restaurant Owners

Lendio Knows Restaurant Small Businesses.

Restaurant equipment financing is an ideal way to get all the equipment you need to run a restaurant, whether you’re already open or a brand-new startup.

Whether new or established, restaurants are powered by their equipment. Because of this, restaurant equipment financing is an excellent way you can fund your restaurant dreams without burning through a bunch of capital all at once.

Why Lendio?

Quick & Easy

Apply in just 15 minutes and get funded in as little as 24 hours

Your Partner In Business Financing

Get personalized support throughout the funding process. Your funding manager will be with you every step of the way to answer your questions and advocate for you.

Offers Tailored To Your Business

Compare loan offers from multiple lenders. With over 75+ lenders in our network, your funding manager will work with you to ensure you get the best rates and terms for your business.

How To Apply For Restaurant Equipment Financing


Fill out our simple application.

Answer just a few questions about your business to see which lending products you qualify for. We’ve partnered with over 75 lenders, allowing us to find the best option for your business.


We’ll connect you with a funding specialist.

One of our funding specialists will reach out to you to get to know your business better. Since every business is unique, we want to make sure we find the loan type that’s perfect for your needs.


Compare loan offers.

Compare different offers curated for your business. Select the capital amount and rate that will help take your business to the next level.


Get funded.

We work with lenders that can fund you fast. Once you’re approved, you’ll be able to access your capital in as little as 24 hours.

Minimum Requirements For Restaurant Equipment Financing

If your business doesn’t match some of the qualifiers below, it may be more challenging to receive funding from our lending partners.


650 or higher




12 Months

Not Qualified Yet? We Can Help

Lendio has the accounting software tools to get your start-up business ready for financing.

Easily track your company’s health and identify any capital shortcomings you may face.
Understand the financial health of your business with reports like profit and loss, balance sheet, tax summary, customer statements, and accounts receivable.
Create personalized invoices and allow your customers to pay by credit card with our free software.

Additional Resources

The 7 Best Loans For Restaurants

Inflation, Restaurants, and How to Soften the Impact

The Complete Guide to Starting a Restaurant


All restaurants need equipment, and today many food operations demand intense, specialized items like commercial mixers, walk-in fridges, flat-top stove ranges, and pizza ovens. The high  sticker price on these items can be prohibitively expensive for small business owners, especially if you’re a new restaurateur or looking to expand an already existing business.

Restaurant equipment financing is a lending tool aimed at fixing this conundrum. Equipment financing empowers small business owners to buy a piece—or several pieces—of equipment and pay back the financing over a period of time. Restaurant equipment financing, therefore, is a way restaurateurs can obtain restaurant equipment without paying for it all upfront.


To apply for restaurant equipment financing, you must identify first what sort of equipment your restaurant needs—ovens, blenders, ventilation, freezers, refrigerators, and safety equipment, for example. Almost any piece of equipment can be financed, even non-electrical items like food-prep counters.

Some manufacturers, like Hobart, offer direct financing for their equipment. In other cases, you can decide on the equipment you need and then apply to financiers for the total cost of the purchase.  

If your credit score is relatively high and you have documentation showing that your business generates strong revenue, you can probably qualify for some form of equipment financing. The application process for restaurant equipment financing is not as stringent as other forms of financing, like a term loan from a bank, in part because the restaurant equipment serves as collateral.

After approval, funds often arrive as soon as 24 hours. You can then buy the needed restaurant equipment with this money. Every month, you’ll pay the same agreed-upon repayment amount—and once the financing is repaid, which usually takes from 1–5 years, you own the equipment.


Restaurant equipment financing allows your business to obtain expensive, but necessary, pieces of equipment without paying for it upfront—one of its major benefits. By doing this, you can start earning money using the equipment without it costing a huge chunk of capital all at once.

You can finance restaurant equipment of all types and sizes, from walk-in refrigerators to blenders and coffee makers.

If your credit score is below 650, you can still qualify for restaurant equipment financing. Financiers will be looking at how long you’ve been in business as well as your restaurant’s revenues and cash flow. While a lower credit score may mean you’re offered financing with higher interest rates, the best way to proceed is by filling out a free application to see the what financing is available to you.

82% of Lendio employees* or their families are small business owners.

*based on 136 Lendio employees who responded to an internal poll

Quickly Compare Loan Offers from Multiple Lenders

Applying is free and won’t impact your credit

Talk to a rep at (855) 853-6346
Mon-Fri 7:30am-5pm MST