Capital for your next kitchen expansion — Foodservice Financing
We connect US restaurant owners with lenders offering competitive commercial kitchen equipment lease rates for 2026.
Checking your rate is a soft inquiry and will not affect credit.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Section 179
- capital lease
- operating lease
- soft inquiry
- term length
- equipment collateral
- working capital
- funding timeline
Commercial foodservice equipment financing and leasing for US restaurant owners
Financing options matched to your situation, in one place.
- Leasing Operating lease options Rent your equipment with lower monthly payments and minimal upfront cash.
- Financing Full ownership loans Purchase equipment outright with fixed monthly payments until you own it.
- Used Used equipment funding Get financing for refurbished gear to save on startup or expansion costs.
- Trucks Food truck financing Specialized funding for mobile kitchen units and independent catering setups.
- $5K–$500K Funding range
- 24–48 hours Approval speed
- 90% approval Success rate
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Tax advantages
- Understand the Section 179 deduction limits for 2026.
- Deduct the full purchase price of qualified equipment this year.
Flexible terms
- Choose repayment schedules matching your seasonal cash flow.
- Avoid balloon payments that hurt your quarterly margins.
Rapid funding
- Get approval decisions in under two business days.
- Access working capital without tying up your bank lines.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Limited business history
Traditional banks require three years of tax returns for every equipment loan application.
Subprime credit scores
Your FICO score often causes immediate rejections at traditional commercial lenders.
High existing debt load
Lenders fear your debt-to-income ratio will prevent you from making equipment payments.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Food truck owner
Refurbished convection ovens and refrigeration units.
Fine dining startup
Full commercial kitchen buildout including ranges and hoods.
Catering business
Mobile espresso machine and industrial prep tables.
Bakery operator
New industrial mixers and proofing ovens for expansion.
Learn the difference between financing and leasing
Deciding between an operating lease and a capital loan impacts your taxes and balance sheet. Read our 2026 guide on how to choose the right structure for your restaurant's specific financial goals.