Restaurant Equipment Financing
Direct answer
RCR International Finance LLC finances commercial kitchen and foodservice equipment for restaurants, cafes, and food businesses. Funding can cover ranges, refrigeration, prep stations, and front-of-house systems through equipment loans or leases. New buildouts and used-equipment purchases are both supported, with terms matched to the equipment and the business, subject to underwriting and approval.
Varies
Typical useful life
New & used
What's financed
Loan / lease
Both available
The asset
Secured by
Subject to underwriting and approval.
Reviewed by the RCR International Finance LLC team
Commercial finance specialists · Last reviewed January 2026
Written to reflect how restaurant equipment financing actually works and checked against our editorial & compliance standards.
?Quick answer
RCR International Finance LLC finances commercial kitchen and foodservice equipment for restaurants, cafes, and food businesses. Funding can cover ranges, refrigeration, prep stations, and front-of-house systems through equipment loans or leases. New buildouts and used-equipment purchases are both supported, with terms matched to the equipment and the business, subject to underwriting and approval.
Plan ahead
Estimate your payment
Model a monthly payment for restaurant equipment before you apply.
Open the estimatorWhat restaurant equipment you can finance
A representative sample of eligible assets in this category.
- Commercial ranges, ovens, and fryers
- Walk-in coolers and reach-in refrigeration
- Dishwashers and three-compartment sinks
- Prep tables and food processors
- Espresso machines and beverage systems
- Ventilation hoods and fire suppression
- POS and ordering systems
Financing restaurant equipment: the basics
RCR International Finance LLC arranges restaurant equipment financing for businesses acquiring foodservice equipment. Because the asset secures the deal, restaurant equipment is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.
New restaurant equipment financing supports full warranties and the latest energy-efficient units, fitting long-term buildouts. Used commercial kitchen equipment is commonly financed at lower acquisition cost and is evaluated on condition and remaining life. Both new and used purchases are subject to underwriting and approval.
A loan builds ownership of durable kitchen assets a restaurant plans to keep, such as hoods and refrigeration. A lease can reduce upfront cost during a buildout and ease upgrades to equipment like POS or espresso systems. The right structure depends on cash flow, the buildout budget, and tax planning.
Loan vs lease: which fits this asset?
Both options finance restaurant equipment, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.
Equipment Loan
Build ownership
- You own the equipment outright at the end of the term
- Builds equity in the asset as you pay it down
- Best for equipment with a long, productive useful life
- Payments are typically higher than a comparable lease
Equipment Lease
Lower payments, flexibility
- Lower monthly payments to preserve cash flow
- Flexibility to upgrade, renew, or return at term end
- Best for assets you replace or upgrade often
- End-of-term purchase options may be available
Soft costs you can often include
Financing frequently covers more than the sticker price, so the asset is working from day one.
Delivery and placement
Roll delivery and placement into the financed amount where the structure allows.
Installation, plumbing, and electrical hookup
Roll installation, plumbing, and electrical hookup into the financed amount where the structure allows.
Ventilation and fire-suppression setup
Roll ventilation and fire-suppression setup into the financed amount where the structure allows.
Applicable sales and use taxes
Roll applicable sales and use taxes into the financed amount where the structure allows.
Staff training on new systems
Roll staff training on new systems into the financed amount where the structure allows.
How equipment financing works
Select equipment
Identify the restaurant equipment and obtain a vendor quote with specifications.
Apply
Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.
Loan or lease
Choose an ownership-building loan or a lower-payment lease, subject to approval.
Vendor payment
On approval, financing pays the vendor and you take delivery.
Documents to finance restaurant equipment
- Equipment quote from the foodservice supplier
- Recent business bank statements
- Most recent business tax return
- Equipment list with specifications
- Owner identification
- Completed credit application
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Industries that finance restaurant equipment
Key takeaways
- Restaurant Equipment can be financed new or used, with the equipment itself serving as collateral.
- Choose a loan to build ownership or a lease for lower payments and flexibility.
- Soft costs such as delivery and placement and installation, plumbing, and electrical hookup can often be rolled into the financed amount.
- Financing is subject to underwriting and approval; RCR International Finance LLC does not guarantee rates or approval.
Proven Track Record
$566M+ funded across 78+ real closings
Results over claims. See genuine, closed equipment transactions, anonymized by business type, that RCR International Finance LLC has funded.
Finance restaurant equipment for your business
RCR International Finance LLC can help you compare loan and lease options for restaurant equipment.
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Related financing
Restaurant Equipment financing FAQs
- Can I finance a full restaurant buildout package?
- Yes. A complete equipment package can be financed together when itemized on a supplier quote. The package is reviewed during underwriting based on the equipment and the business.
- Is used restaurant equipment eligible for financing?
- Used commercial kitchen equipment is commonly financed and is evaluated on condition and remaining useful life, which influences term and structure, subject to approval.
- Can a new restaurant qualify for equipment financing?
- Newer and startup restaurants are reviewed on factors including the owner's background and the equipment. Early-stage businesses are considered, subject to underwriting and approval.
- Can installation and hookup costs be included?
- Soft costs such as delivery, installation, and utility hookup can often be bundled when listed on the quote, subject to underwriting and approval.
Important disclosure
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.