★★★★★
"We financed the kitchen package instead of emptying the opening budget. That left far more room for stock, staffing and launch spend."
Alicia R.
Independent Restaurant, London
Hospitality Equipment Finance
Commercial kitchen finance for launches, refits and replacement cycles.
Fund ovens, extraction, refrigeration, prep lines and dishwashing equipment without draining cash needed for stock, staffing, fit-out pressure and opening costs. We help hospitality operators compare the right route for the kitchen package and timing.
Ovens, extraction and refrigeration funded
Launch, refit and replacement projects
Protect working capital for trading
Who's Commercial Kitchen Finance Good For
Built for operators balancing kitchen spend with wider launch pressure
Commercial kitchen finance works best where the equipment package is clear, the supplier quote is ready and the business wants to preserve cash for labour, stock, deposits and day-one trading headroom.
Restaurants
Cafes
Takeaways
Dark Kitchens
Food Halls
Hotels
Not sure if your business qualifies? Check in two minutes — no credit search at this stage.
Check Eligibility →30s
Decision Time
100+
Lender Panel
£10m
Maximum Facility
32
Years Experience
What Is Commercial Kitchen Finance
Fund the kitchen package, keep cash free for the rest of the project
Commercial kitchen finance lets a hospitality business spread the cost of ovens, prep stations, refrigeration, extraction, dishwashing and stainless preparation areas over time rather than paying outright in one hit.
That matters because kitchen spend rarely happens on its own. A new opening or refurbishment still needs money for rent deposits, wages, stock, signage, fit-out pressure and the gap between launch day and stable trading.
The right structure depends on what sits on the supplier quote, whether the business wants ownership at the end, and how much working capital needs to stay inside the business while the site goes live.
How It Works
Four steps, from supplier quote to payout
01
Quote
Share the kitchen supplier quote, equipment breakdown and basic business background.
02
Structure
We compare ownership, monthly cost and lender fit so the case goes to the most relevant lenders first.
03
Approval
Straightforward kitchen cases can often receive an initial steer quickly once the quote and business detail are clear.
04
Payout
Once approved and signed, the supplier can usually be paid quickly so installation and launch timing stays on track.
Finance Products
Which structure usually fits a commercial kitchen project best?
Hire Purchase
Often suits operators that want eventual ownership of ovens, refrigeration and prep equipment because the assets will stay in the business for years.
Best for: ownership at the end
Finance Lease
Often works well where protecting cash for opening spend, staffing and stock matters more than immediate ownership.
Best for: preserving working capital
Business Loan
Useful where part of the project includes labour, soft costs or fit-out elements that do not sit neatly on an equipment invoice.
Best for: mixed equipment and fit-out spend
Not sure which structure suits your situation? Talk it through with a specialist — no obligation.
Speak to a Specialist →Picture Sections Ready
Leave room to show the project, not just explain it
This page is set up for more visual proof than the standard service pages. We can drop in supplier-installed kitchens, extraction systems, prep zones, refrigeration lines or before-and-after fit-out shots here without needing to restructure the page later.
For now, these blocks are acting as upload-ready placeholders so the core page can go live structurally while we decide what imagery sells the story best.
Who we are
Independent brokers. Working for you, not the lender.
Finding Capital is an independent finance broker. That means we are not tied to any single lender, not incentivised to push one product over another and not working toward anyone's targets but yours.
When you enquire, we search the full market — 100+ lenders — and match your case to the one most likely to approve it at the best available terms. One enquiry. Whole-of-market access. A real answer from a real specialist.
100+Lenders on panel
32 yrsCombined experience
£10mMaximum facility
What makes us different
Not tied to one lender
No bank queue
One named advisor
Same day response
Commission disclosed upfront
ICO registered ZC110930
"We are transparent about how we earn. We tell you our commission before you commit to anything. That is how we think a broker should work."
— Finding CapitalWho we are
Independent brokers. Working for you.
Finding Capital is an independent finance broker — not tied to any lender, not pushing any single product. We search 100+ lenders and find the right fit for your business. One enquiry, whole-of-market access.
We are transparent about commission. We tell you upfront. That is how we think a broker should work.
Whole market access
Same day response
One named advisor
No obligation
100+Lenders
32 yrsExperience
£10mMax facility
Finance Options
Restaurant equipment finance comparison
Two common structures, different outcomes on ownership and cash flow. Choose the one that fits the project.
| Hire PurchaseUsually chosen where the business wants ownership of the equipment at the end of the term. | Finance LeaseOften used where preserving cash flow matters more than immediate ownership and the equipment will support revenue over time. | |
|---|---|---|
| Ownership at end | Yes | Optional ownership |
| Monthly cost | Fixed | Fixed |
| Cash preservation | Good | Strong |
| Best for | Keeping the asset long term | Keeping the asset long term with options to upgrade |
| Typical fit | Established operators | Launches and refits |
Structure, deposit and term depend on the supplier package, asset type, trading profile and overall affordability.
Eligibility
What usually helps a restaurant equipment case get approved?
UK registered business
Sole traders, partnerships and limited companies can all be considered where the purchase is for commercial hospitality use.
Clear supplier quote
A clean supplier breakdown helps us show exactly what is being financed and whether the package includes kitchen, refrigeration, extraction or front-of-house equipment.
Commercial equipment only
Lenders usually want the spend to sit mainly in tangible business equipment rather than labour-only fit-out works.
Trading strength or relevant experience
Established businesses are usually the strongest fit, but newer openings can still be considered where the operators have solid hospitality experience and a clear plan.
Defined amount and timing
Knowing the budget, any deposit position and the supplier timeline helps us match the right lender and avoid wasted time.
Need help working out the best route?
Hospitality purchases are rarely just about the equipment itself. We can help you compare ownership, monthly cost and working capital impact before you commit.
Kitchen and refrigeration packages reviewed
Launch, refit and replacement cases considered
100+ lender panel comparison
Independent broker, always transparent
Response within 1 hour
What our clients say
See what hospitality businesses say about equipment finance
Join businesses already funded through Finding Capital. Check your eligibility in 60 seconds.
Get Started →Common Questions
Restaurant equipment finance explained
Can I finance a full restaurant kitchen package?
Often yes. Commercial kitchen equipment packages can often be structured within one facility, subject to supplier and lender criteria.
Can front-of-house items be included too?
Sometimes yes, especially where they form part of a wider supplier-led hospitality equipment package.
Is this suitable for takeaways and dark kitchens?
Yes. The same broad routes can often be relevant for restaurants, takeaways, food-to-go businesses and dark kitchen concepts.
Can I finance restaurant equipment for a new opening?
Potentially yes. New openings are considered, although the lender will usually look closely at experience, project planning and overall affordability.
Can extraction and refrigeration be included?
Often they can, especially when they form part of the wider kitchen package on the supplier quote.
Is there a minimum order value for restaurant equipment finance?
Minimum size varies by lender, but commercial kitchen packages are often still worth reviewing even where the spend is at the lower end.
Can I refurbish one site while keeping cash free for trading?
Yes, that is one of the main reasons hospitality businesses use finance rather than paying outright for all equipment at once.
Can multi-site restaurant groups use the same route?
Often yes. Multi-site operators may be able to fund equipment across more than one venue where the requirement is clearly structured.
Still have questions?
A specialist can answer any question about structure, lenders or eligibility before you commit to anything.
Related insights
Useful reading before you choose a route
Can a new hospitality business get equipment finance?
A practical read if you are launching or opening a first site and want to understand how lenders will look at the case.
Barista equipment finance beyond the machine
Useful if the requirement includes drinks service equipment alongside kitchen and front-of-house items.
How asset finance works for UK businesses
A broader guide to how these deals are structured, what lenders look for and how the route compares with paying outright.
Related Finance Options
Compare the most relevant next routes
If the package includes drinks equipment or you want to compare broader hospitality funding routes, these are usually the next pages worth reviewing.