By equipment type
Find the guide for what you are actually buying.
7 equipment categories, each with the guides that explain the structure and the calculator that answers the first question a quote raises.
Cooking line and hot side
Ranges, fryers, combi ovens, griddles, and the hood system above them.
What it covers
- /Ranges, char broilers, and griddles
- /Fryers and pressure fryers
- /Combi ovens, convection ovens, and steamers
- /Hood, makeup air, and fire suppression
How it finances
Hot line equipment is serialized and recoverable, so it finances against itself. Hood and ventilation work is construction, not equipment, and usually belongs on the buildout program even when it is quoted on the same page.
Programs that carry it
Guides
- How to finance restaurant equipment
What restaurant equipment financing costs, what documents you need, how fast it funds, and when leasing beats buying.
- Commercial kitchen equipment financing
What terms each class of kitchen equipment carries, how hoods and walk-ins are underwritten, and what a full package costs to finance.
- Restaurant equipment leasing vs financing
Ownership, payment size, end of term treatment, and total dollar cost compared across leases and equipment finance agreements.
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- Equipment payment calculator
What is the monthly payment and total repaid on an equipment quote?
- Labor cost and prime cost calculator
What is your labor cost percentage and combined prime cost?
Refrigeration and cold storage
Walk-ins, reach-ins, prep tables, ice machines, and display cases.
What it covers
- /Walk-in coolers and freezers
- /Reach-ins, undercounters, and refrigerated prep tables
- /Ice machines and bins
- /Refrigerated display and merchandising cases
How it finances
Refrigeration failures are the most common emergency request we see, because inventory spoils on a clock. Speed of funding matters more than a small pricing difference when the box is already down.
Programs that carry it
Guides
- How to finance restaurant equipment
What restaurant equipment financing costs, what documents you need, how fast it funds, and when leasing beats buying.
- Commercial kitchen equipment financing
What terms each class of kitchen equipment carries, how hoods and walk-ins are underwritten, and what a full package costs to finance.
- Restaurant financing with bad credit
Which programs approve below a 600 score, what they cost, and the 3 file problems that cause more declines than credit does.
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- Equipment payment calculator
What is the monthly payment and total repaid on an equipment quote?
- Break-even calculator
How much revenue covers fixed costs before a dollar of profit exists?
Bakery production
Deck and rack ovens, spiral mixers, proofers, retarders, and sheeters.
What it covers
- /Deck, rack, and convection ovens
- /Spiral and planetary mixers
- /Proofers, retarders, and dough sheeters
- /Refrigerated and dry display cases
How it finances
Bakery equipment is sized to batch weight and bake cycles, not to square footage. Throughput equipment like a sheeter or a retarder is evaluated on the labor hours it removes, which is the number an underwriter wants explained.
Programs that carry it
Guides
- How bakeries finance ovens, mixers, and wholesale growth
What bakery equipment costs to finance, how wholesale terms create the cash gap, and which program fits retail versus production growth.
- How to finance restaurant equipment
What restaurant equipment financing costs, what documents you need, how fast it funds, and when leasing beats buying.
- Restaurant food cost calculator
Calculate food cost percentage from inventory and sales, price a plate to a target, and see where product spend leaks.
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- Equipment payment calculator
What is the monthly payment and total repaid on an equipment quote?
- Food cost calculator
What is your food cost percentage, and where is the margin going?
Brewing and beverage
Fermentation and brite tanks, canning and kegging lines, glycol, and draft systems.
What it covers
- /Fermentation and brite tanks
- /Canning and kegging lines
- /Glycol loops and chillers
- /Draft systems, walk-in keg coolers, and taproom bar equipment
How it finances
Tanks and packaging lines are long life assets and commonly carry the longest terms available. Installation and freight belong on the same quote, since financing them separately pushes the cost onto the operating account.
Programs that carry it
Guides
- How breweries finance tanks, canning lines, and cold storage
What brewery equipment financing covers, how taproom and distribution revenue read to underwriting, and which program fits each purchase.
- How to finance restaurant equipment
What restaurant equipment financing costs, what documents you need, how fast it funds, and when leasing beats buying.
- Restaurant break-even calculator
Find the monthly sales, daily sales, and covers per day your restaurant needs to cover fixed costs and debt service.
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- Equipment payment calculator
What is the monthly payment and total repaid on an equipment quote?
- Break-even calculator
How much revenue covers fixed costs before a dollar of profit exists?
Trucks, trailers, and mobile units
Food trucks, trailers, carts, generators, and the buildout inside them.
What it covers
- /New and used food trucks
- /Concession trailers and carts
- /Generators, propane systems, and water tanks
- /Interior kitchen buildout and wraps
How it finances
A titled vehicle underwrites differently than the kitchen bolted inside it. Age, mileage, and inspection drive the term on the chassis, while the equipment package can often carry its own structure.
Programs that carry it
Guides
- How much does a food truck cost
What a new build, a used unit, and a trailer cost, what the kitchen package adds, and what the monthly payment looks like when it is financed.
- Buying a used food truck without buying a problem
What to inspect, which failures are expensive, what a private party purchase requires, and how a used unit is financed.
- Food truck lease to own, explained
How lease to own food truck deals are priced, what the buyout costs, and when straight financing beats the rental route.
- Food truck startup costs, the full first year
Every line item between signing for a truck and the end of year 1, including permits, commissary, insurance, and the working capital most budgets leave out.
- How to start a food truck business
The order that keeps a food truck launch from stalling: entity, permits, commissary, unit, financing, and the first 90 days of service.
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- Equipment payment calculator
What is the monthly payment and total repaid on an equipment quote?
- Buildout budget calculator
What does the buildout cost per square foot, and what is left to fund?
Front of house and technology
POS, kitchen display, seating, bar builds, and signage.
What it covers
- /POS terminals, handhelds, and kitchen display systems
- /Seating, tables, booths, and millwork
- /Bar equipment and back bar refrigeration
- /Interior and exterior signage
How it finances
Furniture, fixtures, and technology are lower ticket and lose value fast, so shorter terms are normal. Bundling them into a buildout request is usually cheaper than financing each vendor on its own paper.
Programs that carry it
Guides
- What a restaurant buildout actually costs
Line by line buildout costs for second generation space versus a bare shell, and where projects go over budget.
- Financing a second restaurant location
How much capital a second location needs, how lenders evaluate multi unit operators, and how to structure the stack.
- Restaurant equipment leasing vs financing
Ownership, payment size, end of term treatment, and total dollar cost compared across leases and equipment finance agreements.
Run the number
- Buildout budget calculator
What does the buildout cost per square foot, and what is left to fund?
- Second location stack calculator
What does the full stack cost across equipment, buildout, and working capital?
Warehouse, storage, and delivery
Refrigerated vans, racking, pallet handling, and commissary equipment.
What it covers
- /Refrigerated vans and box trucks
- /Pallet racking and shelving
- /Pallet jacks and forklifts
- /Commissary and ghost kitchen production equipment
How it finances
Distribution assets are financed against volume that already exists on the invoices. When receivables sit 30 to 60 days out, the equipment note and a line of credit usually get structured together rather than one at a time.
Programs that carry it
Guides
- Commercial kitchen equipment financing
What terms each class of kitchen equipment carries, how hoods and walk-ins are underwritten, and what a full package costs to finance.
- Working capital vs line of credit for restaurants
When a lump sum beats a revolving limit, how each is priced, and which one fits a repeating cash flow gap.
- Restaurant loan requirements by program
Minimum time in business, credit expectations, and documents for equipment, working capital, lines of credit, and SBA loans.
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- Equipment payment calculator
What is the monthly payment and total repaid on an equipment quote?
- Working capital vs line of credit
Which costs less for the way you actually use the money?
Looking for the tools on their own? Browse every calculator.
Get the document checklist
We send the checklist of what funding partners ask for, then a specialist goes through it with you on the call.
- No credit application and no hard pull to start.
- A specialist reviews your operation before anything is submitted.
- Written offers only, and you can walk away at any point.