Finance question
Can I finance commercial kitchen equipment?
Yes. Ovens, cold rooms, fridges, prep benches and full commercial kitchen fit-outs are all financeable, secured by the equipment itself. Because the gear carries the deal, applications are often low-doc or no-doc, with amounts up to $500,000 and approvals frequently in 24 to 48 hours.
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The short answer
Kitchen gear is fundable equipment
Commercial kitchen equipment is a core use of equipment finance. Combi ovens, ranges, fryers, cold rooms, fridges, dishwashers and stainless prep benches all hold value and earn their keep, so the gear secures its own finance rather than resting only on your paperwork.
A whole fit-out can be funded, not just one appliance. Opening or refurbishing a venue usually means kitting out the kitchen at once, from the cooking line to refrigeration and extraction. These assets can be packaged into a single facility so the kitchen is trading-ready in one deal.
Amounts reach up to $500,000, often low-doc or no-doc with no full financials on many applications. With 40+ lenders on the panel, including some comfortable with hospitality, the job is matching your kitchen and profile to the lender most likely to approve it quickly.
Financing the kitchen also keeps working capital where a hospitality business needs it. Fit-out costs add up fast, and paying cash for the cooking line leaves little behind for stock, wages and the quiet first weeks. Spreading the cost over the years the gear earns means the equipment pays its own way rather than draining the float you rely on to trade.
Do you qualify?
What makes kitchen equipment fundable.
Specific equipment
Ovens, cold rooms, fridges or prep gear to secure the finance.
An active ABN
Sole traders and companies both qualify, including new venues.
A full fit-out
The whole cooking line can be funded together in one facility.
A deposit can help
Not always required, but it can widen your options.
Why kitchen fit-outs finance well
The equipment secures it
Security in the gear keeps the deal simple and often low-doc.
One deal, whole kitchen
Cooking, refrigeration and prep gear fund together.
Fast to trading
Low-doc deals can settle in 24 to 48 hours so you can open sooner.
A real example
A cafe owner refits the kitchen with a new oven, a cold room and a run of prep benches before a busy season. Packaged into one facility secured on the equipment, the finance is approved low-doc inside two days, no full financials required. Illustrative only.
Common questions
Frequently asked questions
Can I finance a whole kitchen fit-out?
Yes. Cooking, refrigeration and prep gear can be funded together in a single facility.
Can a new venue get finance?
Often yes. Because the equipment secures the deal, a new venue can qualify, subject to lender assessment.
Do I need financials?
Often no. Many kitchen deals are low-doc or no-doc because the equipment is the security.
How much can I borrow?
Equipment finance reaches up to $500,000, sized to the kitchen and your profile.