Restaurant Equipment Financing
What We Finance
We provide loans and leases for commercial kitchen equipment and restaurant essentials, including
- Cooking ranges, ovens, and fryers
- Walk-in coolers and refrigeration units
- Food prep stations, mixers, and slicers
- Ice machines, beverage dispensers, and espresso machines
- Dishwashers, steamers, and warming units
- Point-of-sale (POS) systems
- Display cases and buffet lines
- Food trucks and mobile kitchens
- Tables, chairs, and interior fixtures
Whether you're outfitting a new kitchen or replacing aging appliances, we’ll help you get the equipment you need to keep the doors open and service flowing.
Who We Help
We work with a wide range of food and beverage businesses, including
- Quick-service restaurants (QSRs)
- Independent cafés and coffee shops
- Full-service restaurants and bars
- Catering companies and event kitchens
- Ghost kitchens and delivery-based models
- Food truck owners and mobile food vendors
- Startups with new leases or under construction
Whether you’re just getting started or remodeling your space, our team knows how to support the unique timing and capital demands of restaurant businesses.
Where You Can Buy Equipment
We finance restaurant equipment sourced from
- Restaurant supply dealers and manufacturers
- Auction houses and liquidation events
- Online suppliers and resale marketplaces
- Private sellers and second-hand vendors
We can also bundle multiple items into one financing agreement — even if you're sourcing from more than one seller.
Restaurant Equipment Financing Options
Equipment Loans
Own your equipment from day one. Spread the cost over time with fixed monthly payments.
Lease-to-Own Programs
Lower your upfront costs and preserve cash flow. Take ownership after the lease term ends.
Used & Auction Financing
We finance used equipment and pre-approve purchases made through restaurant supply auctions or private sellers.
How It Works
Step 1: Apply Online
Submit your information in minutes — no hard credit check.
Step 2: Get Approved
Most applications are reviewed and approved within 24 hours.
Step 3: Get Funded & Get Cooking
We pay the vendor or seller directly and help you get the equipment into place fast.
Why Restaurant Owners Choose Smart Business Credit
- Approvals within 24 hours
- All credit types and startups welcome
- Flexible lease and loan terms
- Equipment bundles and multi-seller support
- No hidden fees or upfront obligations
- Trusted by chefs, operators, and entrepreneurs across the U.S.
We understand that time, margins, and quality matter — and we’re here to help your kitchen deliver.
Frequently Asked Questions
Can I finance used or auction restaurant equipment?
Yes. We support purchases from auctions, used equipment dealers, and private parties.
Do you work with new restaurant startups?
Absolutely. We finance early-stage restaurants and mobile food startups regularly.
Can I finance multiple items from different sellers?
Yes. We can bundle items from several vendors into one loan or lease.
What’s the minimum I can finance?
Financing starts at $5,000 and goes up to $500,000 or more depending on your needs.
Is there a hard credit check?
No. Our application process uses a soft pull and won’t affect your credit score.
