Restaurant Equipment & Build-Out Finance

Finance the whole kitchen — including the build-out banks won’t touch.

Equipment leases for the line and the walk-in, plus SBA packages that wrap your build-out, equipment, and opening capital into a single loan.

Get approved in 24 hours Estimate my tax savings

Fast approvals on hard assets

SBA build-out packages

Franchise-approved programs

Honest alternative to an MCA

2 buckets

We fund both

The equipment that leases fast and the build-out that needs SBA

SBA

One package

Build-out, equipment, and working capital in a single loan

$2.56M

Section 179, 2026

Write off kitchen equipment — new or used

Predatory advances

A straight financing alternative to a merchant cash advance

What we finance

What we finance in your kitchen

Refrigeration and the cooking line lead — strong collateral means fast approvals, even for newer operators. Then we route the build-out to the right SBA or working-capital program.

RANK 01

Refrigeration & walk-in coolers

$8k–$60k

Essential, expensive, and strong collateral — lenders’ favorite restaurant asset.

RANK 02

Cooking line — ranges, ovens, fryers

$15k–$120k

Core production equipment, almost always financed in a build-out.

RANK 03

Exhaust hoods & ventilation

$10k–$50k

Costly and code-required; financed right along with the line.

RANK 04

Dishwashing & warewashing

$5k–$30k

Essential durable equipment with dependable collateral value.

RANK 05

HVAC

$15k–$80k

Big-ticket and financeable as equipment; install routes to SBA.

RANK 06

POS, furniture & fixtures

$3k–$100k+

POS often leased for tech refresh; FF&E financed as a package.

Why Restaurant operators choose us

The only broker who solves both halves of a build-out

Fast approvals on the hard assets

The line, the cooler, and the dishwasher are collateral lenders approve quickly — even for newer operators.

SBA wraps the whole project

Build-out, equipment, and working capital combine into one longer-term SBA loan — the workhorse for restaurants.

Franchise-approved financing

We plug into franchisor preferred-lender programs for faster, better terms on proven concepts.

A straight alternative to cash advances

Before a predatory MCA costs you the business, we show you what honest working capital really costs.

How it works

From application to equipment in three steps

STEP 1

Split the project

We separate what leases fast — the equipment — from what needs an SBA or working-capital package: the build-out.

STEP 2

Package and place

We match each part to the right lender: equipment financing for the assets, SBA for the build-out and opening capital.

STEP 3

Open the doors

Vendors and contractors get paid on schedule, and you open with the kitchen and cash you planned for.

Your challenge, handled

The reasons restaurants get declined — and how we get to yes

Your build-out isn’t collateral a bank can seize

→

SBA 7(a) or franchise programs fund what an equipment lease can’t.

First location, no business track record

→

An SBA startup path plus a strong-credit, collateral-first structure.

Tempted by a fast merchant cash advance

→

We show you what real financing costs — and beat it, before it costs you.

Cash-tight but you own your equipment

→

Sale-leaseback unlocks working capital without new debt on the build-out.

From an operator like you

“Everyone would finance my ranges and coolers. Nobody would touch the build-out until I found someone who could package the whole thing through SBA. That’s the only reason we opened on schedule.”

— Independent full-service restaurant owner, Jacksonville

Illustrative example — replace with a real client testimonial before publishing.

Keep reading

Questions about restaurant financing?

See the full FAQ and download the one-page sell sheet to share or print.

Read the FAQ Download sell sheet (PDF)

One package. The kitchen, the build-out, opening day.

Tell us about your space and concept. We’ll show you how to fund all of it.

Call (904) 555-0100 Start my application