Restaurant equipment financing and leasing.

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

Applying is free and won’t impact your credit.


$5,000- $5,000,000


As Fast As 24 Hours


1-10 Years


As Low as 7.5%

Reviews from restaurant owners.

Flippin Flavors

MAY 2, 2022

Lendio is always there when I need…

Lendio is always there when I need funding and Jeff makes the entire process stress-free. Thank you so much for helping my restaurant so we can continue to grow.

Stephanie Jeanbaptiste

MAY 9, 2022

Excellent customer service

Excellent customer service, fast and reliable. Mitch cloward helped my small restaurant get the capital it needed. I truly appreciate it all.

Moni Tiatia

March 15, 2022

It’s the best lender company

Lendio was great, I had no clue it could be this easy to get funding. It was nice to see the different options and find one that worked out perfectly for our little restaurant. Bennett was amazing and didn’t force us into anything and found the PERFECT solution for us.

Lendio knows restaurant equipment financing.

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

Equipment financing vs. equipment leasing

Equipment financingEquipment leasing
DescriptionEquipment financing is a business loan that helps you get equipment you need to keep your restaurant running smoothly. Instead of paying the full cost upfront, you’re spreading it out over time in manageable payments.Equipment leasing is a long-term rental deal. Your business gets to use a piece of equipment while paying a monthly fee to the lender who bought it. When the lease wraps up, you can renew, buy the gear, or hand it back, with your payments staying the same throughout.
BenefitsDistributes the cost of the loan over time.
Tax deductible.
Prepayment options.
No debt on the balance sheet.
Avoids equipment obsolescence.
Tax deductible.

Down payment requirementsTypically requires a down payment.Some funders offer 100% financing with no down payment.
OwnershipEquipment owned outright by the business.Ownership varies by the lease agreement.
Fee structureInterest rateMoney factor

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 and leasing.

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


520 or higher




0-12 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.

Other restaurant funding options.

While equipment financing and leasing focuses exclusively on restaurant equipment purchases. Other loan types are also available that can be used to cover the cost of restaurant equipment.

SBA loan

An SBA loan is backed by the Small Business Association and offers some of the best interest rates.


10-30 years

$5 million

Term loan

Get a lump sum to grow your business with a set interest rate and monthly payment.


6 months-10 years

$2 million

Line of credit

Give your restaurant a financial safety net with a business line of credit. Like a credit card, you can borrow funds as you need them.


6-24 months

Up to $250,000


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 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 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 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.  

If your credit score is relatively high and you have documentation showing that your business generates strong revenue, you can probably qualify for 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 1–10 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 costing a huge chunk of capital 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 review how long you’ve been in business and 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 what financing is available.

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

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

Compare loan options from multiple funders.

Applying is free and won’t impact your credit.
Talk to a rep at (855) 853-6346
Mon-Fri 7:30am-5pm MST