A restaurant can lose a night of sales when a walk-in dies or an oven quits. Equipment decisions are cash-flow decisions made under time pressure.
Apply Now →Kitchen equipment spending falls into planned and forced purchases, and they call for different thinking.
Planned purchases come from opening a space, adding a menu line or replacing something you know is on its last legs. You can compare quotes, time the order and negotiate delivery.
Forced purchases arrive on a Friday afternoon. A compressor fails, a hood fan stops, a dish machine floods. The decision window is hours, not weeks, and the cost of waiting is lost covers.
Owners who price only the unit routinely underestimate the project, and the installation and downtime lines are the ones that surprise them.
| Question | If yes |
|---|---|
| Has this unit failed more than once this year? | Replacement is likely cheaper than another repair |
| Is the repair quote near half the cost of a new unit? | Get a replacement quote before deciding |
| Would a failure stop all service (walk-in, hood)? | Plan the replacement before it fails |
| Is it a backup piece you rarely use? | Repair or live without it |
Suppose a restaurant adds a grill line and needs a new hood system with install, estimated at $38,000, while the dining room keeps trading. The line should add revenue, but only after installation and a few weeks of ramp-up. Revenue from the new line arrives after the money has gone out. This is an illustration with invented figures and does not state our terms.
If the purchase is planned, ask your supplier about lead times before you commit to an opening date. Hoods and refrigeration can take weeks to arrive and longer to install, and a restaurant that has already hired and trained staff pays them while the line waits. For forced purchases, ask whether a rental or a quick-ship unit can bridge the gap while the permanent replacement is ordered. Either way, a quote in hand turns a panicked conversation about money into a clear number you can fund.
We provide working capital, which an owner can direct to equipment, installation and the weeks of lost sales around it. We fund $25,000 to $5,000,000, in as little as 24 hours, consider FICO 500 and above, ask for about three months of business bank statements, require no tax returns and use a soft pull on a five-minute application. Sole proprietors can apply, including single-location owner-operators.
If the equipment is the main cost, keep your quote handy so you can size the request to the actual project.
It is working capital, so you decide how to use it, including equipment, installation and the slow weeks around a replacement.
If it has failed repeatedly or the repair quote approaches half the cost of a new unit, get a replacement quote first.
Delivery, gas, electric and plumbing work, hauling away the old unit, ventilation components for hoods and downtime.
Yes. Sole proprietors can apply, and one restaurant is enough.
About three months of business bank statements. No tax returns are required.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
