We know kitchen equipment.
We understand the difference between a combi oven and a convection oven, why a hood project involves the fire marshal, and why a used dish machine may make sense while a used ice machine often doesn't.
Industries we serve
Restaurant Equipment Financing
A restaurant runs on its equipment. The range, the hood above it, the walk in cooler, the dish machine, and the POS terminal all have to work every single service, and when one of them fails, tickets back up and food goes in the trash. Replacing or adding that equipment can take a big bite out of the cash you need for payroll, food costs, and rent.
MissionFund helps restaurants, cafes, bars, food trucks, bakeries, caterers, and ghost kitchens finance the gear they need without draining the bank account. We're a veteran owned commercial finance brokerage, not a lender. You fill out one short application, and we compare options from more than 60 lending sources to find a structure that fits how your business actually makes money.
Restaurant Equipment We Help Finance
From the back of the house to the front door, here's the equipment restaurants finance most often.
Ovens and Ranges
Convection, combi, and pizza ovens, plus ranges, griddles, and fryers.
Hood Systems
Exhaust hoods, fire suppression, makeup air, and grease management.
Refrigeration
Reach ins, walk ins, prep tables, ice machines, and blast chillers.
Dishwashing
Door type and conveyor dishwashers, glass washers, and sanitation stations.
Coffee Machines
Espresso machines, batch brewers, grinders, and water filtration.
Food Prep Equipment
Slicers, mixers, food processors, and vacuum sealers for faster prep.
POS and Digital Menus
POS systems, self order kiosks, digital menu boards, and kitchen displays.
Drive Thru Systems
Drive thru headsets, order boards, timers, and lane equipment.
Furniture and Displays
Dining tables and chairs, booths, patio furniture, and display cases.
Security and Lighting
Security cameras, LED lighting, and inventory management systems.
How Restaurant Equipment Financing Works
We keep the process simple, because you have a kitchen to run.
Apply in minutes.
Tell us about your business and the equipment you want. We use a soft credit pull only, so checking your options won't affect your credit score. Applying is free.
We compare 60+ lending sources.
Your application goes to lenders that understand food service, including ones that work with new concepts and seasonal operators.
You choose.
We lay out the offers without the jargon, including ownership at the end, payment structure, and what the financing covers, so you can pick the one that fits.
Get funded.
Once you sign, the lender typically pays your equipment vendor directly. Funding can often finalize with just your driver's license and the equipment invoice.
Why Restaurant Owners Choose MissionFund
Whole projects, not just single units.
Opening a second location or remodeling? Many lenders can bundle the cookline, refrigeration, smallwares, and furniture into one financing package.
Used and refurbished equipment welcome.
Plenty of great kitchens are built on quality used gear. Many of our lending sources finance it, depending on the age and the seller.
Soft credit pull only.
You can see what's available without a hard inquiry on your credit.
Startups can apply from day one.
New restaurants, food trucks, and ghost kitchens can seek equipment financing before the doors open.
Welcoming, transparent, and convenient.
No jargon and no pressure. You'll always know what you're signing and why.
Financing Programs That Fit Restaurant Businesses
Restaurants have different needs depending on the concept, the lease, and how long the equipment will stay in service. These programs fit food service especially well.
Program Equipment Finance Agreement (EFA)
You own the equipment from day one and make fixed payments. It's a natural fit for ranges, fryers, and refrigeration you plan to run until they wear out.
Program $1 Buyout Lease
Make lease payments, then own the equipment for one dollar at the end. Many owners like this structure for hood systems, walk ins, and dish machines.
Program Fair Market Value (FMV) Lease
Lower payments, then upgrade, keep leasing, buy at fair market value, or return it. It works well for POS systems, kiosks, and digital menu boards that change quickly.
Program Working Capital
Fast funding for day to day needs like inventory, staffing up for a busy season, or covering a slow month. It requires at least a year in business.
Startups and Growing Businesses
Opening a restaurant is one of the most equipment heavy ways to start a business. Equipment financing is available from day one, so a new concept, food truck, or ghost kitchen can apply before earning its first dollar. Lenders focus on your personal credit, your experience in the industry, and the equipment itself.
Once you've been operating for at least a year, more doors open. Working capital and a business line of credit can help you handle food cost swings, surprise repairs, and seasonal slowdowns. For bigger moves like a full build out, a second location, buying a building, or acquiring an existing restaurant, SBA loans offer government backed funding up to $5MM.
What You'll Need to Apply
For requests under $150K, many restaurants can get approved on the application alone. If you're financing a larger project, such as a full kitchen for a new location, recent financial statements and tax returns can strengthen your request and support a higher amount.
When it's time to fund, you'll often need only your driver's license and the equipment invoice or quote from your vendor. We'll tell you up front if a lender asks for anything else, so there are no surprises.
Frequently Asked Questions
Still have a question?
Talk to a real person. We're happy to walk you through your options.
Can I finance equipment for a restaurant that hasn't opened yet?
Yes, you can apply for equipment financing from day one. Lenders look closely at your personal credit and your food service experience, and some may ask for a business plan or a down payment on larger packages. We'll help you find the lending sources that work with new concepts.
Can I finance used restaurant equipment?
Often, yes. Many lenders finance used and refurbished equipment, especially when it comes from an established equipment dealer and is in good working condition. Some lenders set limits on equipment age, so we'll match you with ones that fit your purchase.
Can financing cover installation and hood work?
Depending on the lender, financing can cover soft costs like delivery, installation, electrical and gas hookups, and hood system work. That can mean financing that covers the full project cost instead of paying for installation out of pocket.
Do you finance food trucks and trailers?
We can help finance the kitchen equipment that goes inside a food truck or trailer, such as griddles, fryers, refrigeration, and generators. Tell us about your full build, and we'll look for lenders that handle mobile food businesses.
Will checking my options hurt my credit?
No. We use a soft credit pull only, which doesn't affect your credit score. You can see what's available before deciding anything.
Is there a cost to apply?
No. Applying is free. When you submit your application, you authorize MissionFund to submit it to lenders within our network on your behalf, so you can see offers quickly.
Get started
See what your business qualifies for.
Applying is free, takes just a few minutes, and uses a soft credit pull only.
Prefer to talk first? Book a call