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Equipment Financing for Restaurant Franchisees

New-store buildouts, remodels, and multi-unit kitchen packages financed around franchise economics. For franchisees who are building, not just operating.

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Franchise restaurant kitchen buildout with commercial equipment — franchise equipment financing

How Elevex works

Forty seconds, start to funded.

The Reality

Franchisors mandate remodels and equipment standards on their timeline, not yours. New-store buildouts stack equipment, leasehold, and working capital demands into one window. Growth franchisees hit borrowing walls just as territory opens up.

Buildout Packages

Complete kitchen, POS, signage, and furnishing packages in one structure per store opening.

Remodel-Mandate Ready

Franchisor-required refreshes financed on schedules that respect store-level cash flow.

Multi-Unit Programs

Portfolio-level structures that scale with your development agreement instead of re-underwriting every store.

What You Get

  • Application-only to $1,000,000 with decisions in minutes
  • Structures designed around your actual business model
  • $50,000 to $5,000,000+ transaction capability
  • Direct relationship with seasoned finance professionals
  • First-store franchisee programs — buildout financing before unit one opens
  • Portfolio structures that scale with multi-unit development agreements

Equipment We Finance

New, used, dealer, or auction — application-only to $1,000,000, terms from 36 to 84 months.

Kitchen Packages

Franchise kitchen equipment financing — hood systems, fryers, griddles, ovens, and walk-ins speced to franchisor standards, one structure per store.

Front of House & Tech

POS financing, drive-thru systems, digital menu boards, and kiosks — the technology stack franchisors increasingly mandate.

Buildout & Signage

Signage, furniture, millwork, and remodel FF&E financed alongside the kitchen so an opening isn't ten separate loans.

Common Questions

Can a first-time franchisee get equipment financing?
Yes — franchise equipment financing for first stores leans on the brand's unit economics, your liquidity and experience, and the franchisor's approval. An approved FDD candidate with a signed lease is financeable before the doors open.
How do franchisor remodel mandates get financed?
As a scheduled program, not an emergency: remodel packages financed on terms that respect store-level cash flow, timed to the franchisor's deadline. The mandate is the franchisor's timeline; the structure is yours.
We're opening three stores over two years — one deal or three?
One relationship, drawn per store. Portfolio-level programs pre-approve the development schedule so each opening funds on its own timeline without full re-underwriting — speed matters when a buildout slips. Start the conversation.
Does restaurant buildout equipment qualify for Section 179?
Most kitchen equipment, POS, and furnishings placed in service this year qualify, financed or not — leasehold improvements follow different rules. Model it with the Section 179 calculator and confirm with your CPA.

Equipment Financing Guides

Deep dives on the specific equipment this industry runs — rates, structures, and what we finance.

New Location Equipment Package Financing

Finance a new franchise store's full equipment package — kitchen, drive-thru, POS, and signage to brand spec — drawn against the opening date.

Remodel & Reimage Financing

Finance a franchise remodel or reimage on the franchisor's deadline — dining room, kitchen upgrades, drive-thru, and signage, phased around a trading store.

Multi-Unit Expansion Financing

Finance a development agreement rather than a store — one approved facility, drawn per opening, so five stores is not five underwritings.

Franchise Conversion Financing

Finance a conversion to a new brand — kitchen changeover, technology, and exterior rebrand — with the restaurant's existing trade as the strength.

POS System Financing

Finance a point-of-sale refresh across every unit at once — terminals, kitchen display, payment hardware, and the multi-year software commitments.

Drive-Thru Technology Financing

Finance a drive-thru retrofit on a trading store — menu boards, timers, headsets, and dual-lane work, phased so the lane stays open.

Commercial Kitchen Equipment Financing

Finance hospital, senior living, campus, and contract dining kitchens — serving lines, tray systems, blast chilling, and facility-scale warewashing.

Related Reading

From the Elevex Insights library — payment engineering, structures, and strategy for operators in your industry.

Playing chess while your competition plays checkers

Advanced payment strategies for equipment sales

Embedded finance for equipment sellers

Why 24/7 digital financing closes more deals

Ready to align payments with your business?

Talk to an equipment finance expert who knows your industry. Sell equipment in this industry? Offer financing at the point of sale with CapVex.

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