Finance the asset plan—not just the payment — EquipTable
Compare loans, leases, buyouts, installed cost, ownership, and downside cash flow for documented restaurant equipment needs.
Educational comparison. Eligibility, pricing, timing, availability, and outcomes vary.
4.9 Excellent · 3,200+ reviews via Big Think Capital- cookline
- walk-in cooler
- POS bundle
- lease buyout
- soft pull
- asset list
- seasonal sales
- turnkey install
Restaurant equipment financing and leasing decisions for independent US restaurants and small chains
Ovens, fryers, walk-ins, POS systems, booths, and other front- or back-of-house buys.
- Loan Cookline upgrades Fund fryers, ovens, and refrigeration with fixed monthly payments.
- Lease POS and seating Spread POS bundles, booths, and barstools into easier payments.
- SBA Long-term buys Use SBA options for larger purchases, buildouts, and multi-unit refreshes.
- Refi Lease buyouts Refinance old equipment debt or finish a lease on better terms.
- 4 paths Loan, lease, lease-to-own, and cash mix
- 1 asset list Equipment, delivery, installation, and warranty
- 3 cases Base, delayed install, and downside cash flow
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How restaurant equipment approval works
Start with the invoice or wish list. We route the file to lenders that understand restaurant cash flow, used gear, and tight install timelines.
Soft-pull review
- See offers without a hard credit hit.
- Choose a path before you commit.
Asset-based fit
- Loans, leases, and SBA routes all map to the equipment.
- New, used, and mixed baskets can qualify.
Fast document set
- Usually invoice, bank statements, and owner details.
- Many straightforward files close in 1 to 3 days.
Why banks hesitate on this niche
Restaurants buy assets that fail on a deadline, not on a bank calendar. Sales can swing by season, concept, and location, so standard lending rules often miss the deal.
Thin or messy bank file
A short operating history, mixed deposits, or a recent tax issue can stop a bank before it reads the order.
Used gear and rush installs
Banks prefer standard assets and slow timelines, while restaurant purchases often happen after a fryer, cooler, or POS outage.
Lower credit scores
A score below prime can shrink bank choices, even when the concept is steady and the payment is modest.
What approved deals can look like
These are illustrative composites, not real customers. They show the size, asset mix, and timelines lenders commonly see in this niche.
Cookline replacement
Document capacity, utilities, delivery, installation, warranty, and downtime.
Cold storage
Document efficiency, site work, acceptance, maintenance, and backup.
Dining room refresh
Document lead time, fit, damage claims, useful life, and working capital.
Used equipment
Document serial numbers, inspection, warranty, installation, and ownership.
How we label illustrative scenarios →
Industry statistics: Equipment Financing Demand | 2026 Data
See funding for buildouts, cash flow, and refis
If the need is bigger than one asset, compare pages for buildouts, working capital, and debt refi. Each route has different docs, timing, and payment shapes.