Set out each appliance, the installation costs and the date the site needs to be ready.
Catering and restaurant equipment finance
Finance or lease ovens, refrigeration, warewashing and complete commercial kitchens.
From one appliance to a full kitchen. Tell us what you need to equip.
Finance or lease catering and restaurant equipment, from ovens and refrigeration to extraction and complete kitchen fit outs.
Catering and restaurant equipment you can financeCatering and restaurant equipment
- Commercial ovens
- Refrigeration and cold storage
- Warewashing
- Extraction and ventilation
- Food prep equipment
- Cooking lines
- Full kitchen fit outs
- Commercial ovens. Combi, convection and deck ovens for restaurants, pubs and hotels, from single unit replacements to full production kitchens.
- Refrigeration and cold storage. Walk-in fridges and freezers, under counter units, blast chillers and drinks fridges.
- Warewashing. Pass through and conveyor dishwashers, glasswashers and pot wash equipment for high volume sites.
- Extraction and ventilation. Canopies, ductwork and make up air systems, often required before a kitchen can open.
- Food prep equipment. Mixers, slicers, prep tables and stainless steel work surfaces.
- Cooking lines. Ranges, griddles, fryers and induction equipment for front and back of house.
- Full kitchen fit outs. Equipment, extraction, refrigeration and prep surfaces for a new restaurant, pub or hotel kitchen, funded as one agreement.
If the equipment you need is not listed, ask. The question is whether it has a clear business use and a sensible working life, not whether it fits a category. Planning an espresso setup as part of the venue? Explore coffee machine finance, then compare the equipment and support needs in our guide for cafes and restaurants.
Catering equipment finance and restaurant equipment leasingChoose your finance route
Compare catering equipment finance and restaurant equipment leasing based on ownership, VAT timing and how long you plan to keep the assets.
Equipment Leasing
Access the assets your business needs with repayments shaped around use.
Hire Purchase
Spread the cost of essential equipment while working towards ownership.
Not sure which route fits? Compare your finance options.
Financing a complete kitchen
Ovens, refrigeration, extraction, prep equipment and installation can sit in one agreement when the invoices are clear.
Long-life cooking equipment may suit HP; technology and replaceable kit may sit better on a lease.
Documents, delivery evidence and supplier invoices are checked before payout, without splitting the kitchen into separate deals.
Sell kitchen equipment yourself? See how we can help you offer finance to your customers.
Before you order: equipment checklist
Are all the costs separated?
Ask your supplier to list the cooking equipment, refrigeration and warewashing separately from installation, extraction, building work and servicing. Tell us which parts you want to fund.
What must be ready before delivery?
Confirm access, dimensions, power, water and ventilation with your supplier. Agree who is responsible for installation and testing before setting an opening date.
One delivery or a phased fit-out?
Tell us if equipment comes from several suppliers or if deposits and stage payments are needed. Discuss the payment schedule before committing to supplier terms.
Catering and restaurant equipment finance calculator
Ovens, refrigeration, extraction, dishwashers and prep equipment can often be placed on one facility. A clear supplier schedule matters more than splitting every appliance into a separate request.
For an established restaurant, lenders will focus on trading and the useful life of the equipment. For a new opening, they will also look at operator experience, deposit and the gap between installation and first service.
If the kitchen schedule is ready, call us on 01279 744159 and we will check which costs can sit in the agreement.
Catering equipment finance calculator
Adjust the amount, term and deposit for an illustration. Our team can explain the options for your commercial kitchen equipment.
Start with these figures
Offer finance to your customers
A commercial oven or a full line replacement is a five figure decision. The moment a customer hesitates, embedded finance turns that hesitation into a signed order, without you chasing paperwork or explaining rates you didn't set.
Quotes and applications
Your customer sets their own term and deposit on a £20k combi oven and extraction system, then pushes the quote to proposal themselves. No back and forth over price.
Decisions and documents
Auto acceptance and e-sign mean a restaurant or pub owner can be approved before the kitchen's even closed for the night. No calls, no chasing signatures.
Application updates
See when an agreement is ending and what a customer could borrow next, useful when it's time to upgrade them to a bigger oven or a second fridge.
Website integration
Plug Capra Connect straight into your own CRM or quoting system. No separate portal for your team to learn.
Finance for your kitchen equipment customers
Sell commercial kitchen equipment? Put finance alongside your quote with Capra Connect. Your customer can adjust the deposit and term, then apply online.
Catering and restaurant equipment finance FAQs
Straight answers on used equipment, fit outs, trading history and what can be included.
Still have questions?Can I finance used or refurbished kitchen equipment?
Often, yes. Lenders look at the age of the equipment, its condition, who is supplying it and how long it is likely to keep working. A refurbished oven or fridge from an established supplier is usually straightforward.
Can I fund a full kitchen fit out rather than one appliance?
Yes. Ovens, fridges, dishwashers, extraction and prep surfaces can be funded together as one agreement rather than several, which keeps the paperwork and the payments simple.
Do I need to have been trading for a certain time?
Established businesses have the widest choice of lenders. New sites can still be funded, though a deposit or a director guarantee is more likely to be asked for, and the business plan carries more weight when there is no trading history.
Can I add equipment to an agreement later?
Usually we would arrange a second agreement alongside the first rather than amending it. If you are adding a lot, it is sometimes cleaner to restructure both into one.
What happens if I move premises?
The agreement follows the business rather than the address, so moving is not a problem. Let us know so the paperwork stays accurate.
Can installation be included?
Often, yes, where it appears on the supplier invoice. Installation, plumbing and gas connection are frequently funded alongside the equipment rather than paid separately.
Is extraction and ventilation worth financing?
It is worth including. A compliant extraction and ventilation system is often required before you can open, and it is one of the most common things left out of a budget, then paid for in cash later.
Can I lease restaurant equipment?
Potentially. Restaurant equipment such as ovens, refrigeration, dishwashers, extraction and preparation equipment may be considered on an equipment lease. The available term and end-of-term options depend on the assets, supplier, business and lender.
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Discuss catering equipment finance
Share your equipment list, supplier quote and opening or installation date. We’ll talk through the available finance routes.