Catering & hospitality finance
Fit out the kitchen. Keep the till ringing.
Commercial kitchens, coffee machines, refrigeration and fit-outs for restaurants, cafés, pubs and hotels.
A more useful starting point
Catering & hospitality finance: what matters before you enquire
Hospitality finance is often a project rather than a single asset. Commercial kitchens, coffee equipment, refrigeration, extraction, furniture and EPOS may come from several suppliers and need to be ready before opening or refurbishment.
Who commonly uses it: Restaurants, cafés, pubs, hotels, care operators, caterers and leisure venues use finance to open, refurbish, add capacity or replace equipment during trading.
Routes to compare: Finance lease can protect cash during a fit-out and spread rentals across the operating life. Hire purchase can suit durable kitchen equipment the business plans to keep. Packages may combine supplier invoices.
What we can fund
Common funding routes
Match the structure to the job the asset must do.
There is no universal best route. Compare ownership, useful life, deposit, payment profile, VAT, security and the end-of-term plan.
Finance lease →
With a finance lease you rent an asset for most of its useful life. The lender keeps legal ownership while your business enjoys full use of the equipment.
Hire purchase →
Hire purchase splits the price of an asset into regular payments. Once the final instalment and any option fee are paid, ownership passes to your business.
Broker tips
- ●Multiple suppliers can often go on one agreement
- ●New ventures may need a larger deposit or guarantee
- ●Leasing can protect cash during an opening
Prepare a credible brief
Information that keeps the conversation moving.
- ✓Supplier quotes for kitchen, refrigeration, extraction, furniture and fit-out
- ✓Opening or refurbishment date, lease details and evidence of relevant experience
- ✓Menu, covers, occupancy or sales assumptions supporting the business plan
- ✓Planning, installation, electrical, gas and ventilation requirements where relevant
Plan the economics
Questions lenders and owners will care about.
- →Opening delays can leave the business paying costs before revenue starts
- →New ventures may need a deposit, guarantee or stronger experience story
- →Separate movable equipment from building works and landlord's fixtures
- →Maintenance, servicing, warranty and replacement downtime matter in a busy venue
Typical use cases
What this can look like in practice.
Can a new restaurant get finance?+
Some lenders support start-ups, especially with relevant experience and a deposit.
Can several suppliers be put on one agreement?+
Often, if the invoices and delivery timetable are clear.
Can a new venue get finance?+
Some lenders consider start-ups with relevant experience, a credible plan and suitable security.
Can the landlord's fit-out be financed?+
Movable equipment is usually clearer; fixtures and building work need careful treatment.
Next step
Start your quote
Tell us about the catering & hospitality finance you are considering. Choose phone, WhatsApp or email as your preferred contact. No credit search to enquire.
Ready to fund your next asset?
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