Finance question
Equipment finance for cafes and restaurants?
Yes. Espresso machines, combi ovens, cold rooms, dishwashers and full kitchen fit-outs all finance as hospitality equipment, secured against the gear rather than your cash. Deals often settle low-doc or no-doc, which suits new venues and tight opening budgets, and we place them across 40+ lenders with no upfront fee to you.
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The short answer
Fit out the venue without emptying the float
Opening or refreshing a venue is front-loaded. A commercial espresso machine, a combi oven, a cold room and a full kitchen fit-out can absorb your entire budget before a single coffee is sold. Equipment finance spreads that cost across the working life of the gear so you keep cash for stock, staff and the quiet first weeks.
The equipment secures the loan, so the paperwork stays light. Many hospitality deals settle low-doc or no-doc on an active ABN, often with no financials, which suits a new operator without years of trading behind them. Fit-out items, joinery and refrigeration can frequently go on the one facility as a package.
As a broker we work across 40+ lenders, and hospitality appetite varies on venue type, whether the assets are new or used, and how established the business is. A new roastery-grade machine finances easily, and a second-hand kitchen still finds a lender. We match your situation to the right one and advocate for it, and the lender pays us on settlement.
Do you qualify?
What a hospitality deal usually needs.
The gear or fit-out
Espresso machine, oven, cold room, dishwasher or full kitchen to secure it.
An active ABN
New and established cafes and restaurants both qualify.
A supplier quote
The invoice or fit-out quote for the equipment you are buying.
Deposit optional
Often none needed, though it can help a brand new venue.
Why venues finance the fit-out instead of paying cash
Cash for the opening
Keep working capital for stock, wages and slow first weeks.
Secured by the equipment
The gear carries the risk, so your personal assets usually stay clear.
Package the whole kitchen
Machine, oven, refrigeration and joinery can often go on one facility.
A real example
A new cafe needs a $28,000 espresso setup, a cold room and a fit-out totalling around $95,000 before opening day. Rather than spend the launch budget on gear, it is financed low-doc, secured on the equipment. Approved before handover, doors open on schedule, repayments covered by the first months of trade. Illustrative only.
Common questions
Frequently asked questions
Can a brand new venue get finance before it trades?
Often yes. New hospitality businesses can qualify low-doc on an active ABN, with the equipment as security, subject to lender assessment.
Can I finance the whole fit-out, not just appliances?
Frequently yes. Kitchen fit-outs, refrigeration and joinery can be financed alongside the main equipment on one facility.
Can I finance second-hand hospitality gear?
Usually yes, including used ovens and machines. Very old equipment can narrow which lenders will look at it.
Do I need financials to fit out a cafe?
Often no. Many deals settle low-doc or no-doc on the ABN, with the gear securing the loan.