Equipment Finance Guide
How asset finance works for UK businesses
A practical guide to how asset finance is structured, what lenders look for, and when it makes more sense than paying outright.
Read this guide →Fund ovens, refrigeration, extraction, prep equipment and front-of-house assets without overloading working capital before launch or expansion.
Restaurant purchases often sit inside a broader opening or refurbishment programme, where cash also needs to cover stock, staffing, fit-out and launch costs. Finance can help smooth that pressure.
We can help structure funding for ovens, prep equipment, refrigeration, extraction and front-of-house hardware as part of a wider equipment package.
Independent restaurants, hospitality groups, food hall operators, takeaways and venue businesses expanding their offer.
We review the equipment list, supplier and business profile so the case goes to the most suitable lenders first.
We aim to respond within 1 hour, with straightforward cases able to receive a credit decision in as little as 30 seconds and typically within 4 hours.
Once approved, signed and delivered, supplier payout is typically completed within 24 to 48 hours.
Fund the kitchen and front-of-house package while preserving working capital for opening costs.
Upgrade ageing equipment as part of a wider venue refresh or menu repositioning.
Replicate a successful kitchen setup across multiple locations on a planned basis.
A restaurant owner finances a £22,000 kitchen and refrigeration package over 48 months. Indicative monthly payment from around £565, with no deposit required in many cases.
That can keep more cash free for staff costs, stock, marketing and the wider launch or refurb budget.
Typical use cases include opening a first venue, refurbishing a kitchen, or replacing key cooking and refrigeration equipment before peak trading periods.
Often strongest where the business has clear trading history, stable bank conduct and a defined commercial need for the equipment.
Works best when there is a clear supplier quote, asset list and realistic delivery timeline so the case can be placed quickly.
Useful when the purchase supports expansion, a refit, capacity growth or a planned upgrade cycle rather than distress-led spending.
A supplier quote, equipment breakdown and delivery timing help us place the case with the right lenders first time.
Recent accounts or management figures, bank conduct and a clear explanation of the purchase usually make decisioning smoother.
Knowing the amount needed, any deposit position and whether the purchase is urgent helps us structure the route properly.
Often yes, depending on the supplier structure and the funded items included in the package.
In many cases yes, where those items are being purchased together under the same supplier package.
Once approved, documented and delivered, supplier payout is typically completed within 24 to 48 hours.
Short, practical reads to help you understand the products, structures and trade-offs before you enquire.
A practical guide to how asset finance is structured, what lenders look for, and when it makes more sense than paying outright.
Read this guide →Compare ownership, monthly cost, flexibility and end-of-term options to understand which route suits your purchase best.
Read this guide →See how leasing can affect cash flow, tax planning and equipment replacement cycles when a business is investing for growth.
Read this guide →Use this page as a starting point, then compare the main finance routes and a few closely related sector pages before you enquire.
Tell us the equipment package, supplier and timing and we will help you compare the right route.