Restaurant Equipment Financing

Restaurant equipment financing for ovens, refrigeration, and full kitchen buildouts — startup-friendly with seasonal payment options. Representative example: a $75,000 kitchen package runs about $1,400/month.*

Get a Quote Talk to an Expert

The Kitchen package Reality

Kitchen equipment is revenue equipment — every oven, fryer, and walk-in either serves covers or costs them. We finance single replacements to full buildouts, with structures that respect how restaurant cash flow actually behaves.

What We Finance

Commercial ovens — combi, convection, deck, pizza
Ranges, fryers, griddles, and hood systems
Walk-in coolers, freezers, and refrigeration lines
Ice machines and beverage systems
POS, kitchen display, and digital menu systems
Restaurant buildouts and franchise brand packages

Payment Structures

The differentiation: four ways to own the same equipment, engineered to your cash flow. Compare them side by side on our structures page.

Operating Lease

Off-balance-sheet treatment with end-of-term flexibility — return, renew, or purchase. Often the right answer when technology cycles or accounting outcomes drive the decision.

$1 Buyout Lease

Own the equipment for one dollar at term end. Fixed payments, full Section 179 eligibility, and a clean path to ownership.

Seasonal & Step Payments

Payments that follow your revenue curve — lighter in slow months, heavier in peak season, or stepping up as new equipment ramps to full production.

Usage-Based & As-a-Service

Payments tied to hours, output, or consumption. The category Elevex is defining: pay for what equipment achieves, not what it costs.

Learn more about financing structures

How It Works

Three steps from quote to funded.

1 · Apply in Minutes

Application-only to $1,000,000 — no tax returns or financials below that threshold. Have your equipment quote, auction listing, or build spec ready.

2 · Structure Together

A finance professional (not a portal) walks the structure options — term, seasonality, end-of-term — and prices the deal to your cash flow.

3 · Fund in 24–48 Hours

Most transactions fund within 24–48 hours of signed documents. Your vendor gets paid; you get to work.

Common Questions

Can a startup restaurant finance its kitchen?

Yes — restaurant equipment leasing for startups is standard business here: a signed lease, a realistic buildout budget, and operator experience matter more than years in business. Payments can step up as covers build.

Does financing cover installation and hood systems?

Buildout structures roll installation, ventilation/hood work, and the equipment itself into one schedule — a working kitchen as one payment instead of a stack of invoices.

Can I finance a used kitchen package?

Yes — used kitchen package financing is standard business, whether the unit comes from a dealer, an auction, or a private seller. We value working assets on condition and remaining service life, not a blanket age cutoff, and set terms the equipment can actually support.

Does a kitchen package qualify for Section 179?

Most business-use equipment placed in service this tax year qualifies for Section 179 expensing, financed or purchased outright — often meaning the first-year deduction outruns your first-year payments. Run your numbers on our Section 179 calculator and confirm specifics with your tax advisor.

How fast can restaurant equipment financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits, and most deals fund within 24–48 hours of signed documents. Apply online with your quote to start.

Ready to finance your kitchen package?

Payments built on outcomes, from the team that knows your industry. Equipment sellers: offer financing at the point of sale with CapVex.

Apply Now Sellers: Register

*Representative example for illustration only. Actual payment varies with credit profile, term, basis, and equipment. Subject to credit approval. Not a commitment to lend.