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. Projects we fund typically run $350,000–$750,000, drawn against the opening date in your development agreement.

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New Location Equipment Package Financing

The New Location Package Reality

Opening one franchise store is a project with someone else's deadline and someone else's equipment list. The development agreement sets when the doors open, the brand sets what goes behind them and which vendors supply it, and the franchisee carries every invoice in between — a kitchen line ordered months ahead, a drive-thru system, POS, millwork, and signage — against a store that earns nothing until opening day. Financed as a package drawn to that timeline, the equipment is approved once and funded as it arrives.

What a New Location Package Covers

Kitchen line to brand spec — hoods, fryers, grills, ovens
Walk-in coolers, freezers, and refrigeration
Drive-thru systems, timers, and digital menu boards
POS, kitchen display, and back-office technology
Dining room millwork, seating, and interior finishes
Signage, exterior elements, and installation

How the Draws Work

One approval, funded in phases — the schedule follows the project rather than a delivery date.

1 · Site & Spec

The lease is signed and the brand's equipment specification is issued. Funding is committed here, because approved-vendor orders have lead times measured in months and the opening date does not move.

2 · Equipment Delivery

Kitchen line, refrigeration, drive-thru and POS hardware arrive from the brand's approved vendors. Each is paid as it ships rather than accumulating against the franchisee's own cash.

3 · Install & Inspection

Hood and fire suppression, millwork, signage, and the health and building inspections that decide whether the opening date holds.

4 · Opening Day

Payments move to full as the store starts trading. The months between the first equipment deposit and the first customer are the ones the structure is built to absorb.

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 scope to funded.

1 · Bring the Scope

A budget, a floor plan or build spec, and the timeline you're working to. Not a single quote — the whole project, however many vendors it runs across.

2 · Structure the Draws

A finance professional maps the funding to the project's milestones, so money lands when each phase needs it and payments start when the facility earns.

3 · Fund Each Phase

Vendors are paid as phases clear. One approval and one schedule carry the project instead of a separate application every time the scope moves forward.

Common Questions

How is this different from restaurant equipment financing?

That page serves an operator choosing their own equipment for their own concept. Here the specification, the vendor list, and the opening date all come from the franchisor, so the page is built around a schedule rather than a purchase — one approval covering everything the brand requires, drawn as the store is built.

What does the development agreement change?

It gives the project a documented deadline and a defined scope, which is unusually helpful. The opening commitment, the brand's equipment standard, and the approved vendor list together describe the whole package up front, so the funding can be sized to the real project instead of to a running set of quotes.

Can one facility cover equipment from several vendors?

Yes — that is the point of financing new location package as a project rather than as purchases. A single schedule can carry equipment from every vendor on the job, so the scope is approved once instead of being re-underwritten each time another supplier is added.

Which parts of a new location package qualify for Section 179?

Most business-use equipment placed in service this tax year generally qualifies, financed or purchased outright. Leasehold improvements, real property, and construction costs follow different rules, so a project budget rarely qualifies as a single number. Run the equipment portion on our Section 179 calculator and confirm the split with your tax advisor.

How fast can new location equipment package financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits. Apply online with your scope and budget rather than a single quote — the draw schedule is built from the project timeline, so the sooner that exists the sooner funding can follow it.

Ready to fund your new location package?

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

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