Lendus.

Commercial Kitchen Finance

Spread the cost of commercial kitchen fit-outs from £10,000 to £250,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£10k – £250k

Approval Speed

24–48 hours

Same-day for < £50k

Rates From

From 5.5% APR

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Finance options

Hire Purchase (HP)

Rate
From 5.9% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Restaurant owners wanting to own kitchen equipment outright

Finance Lease

Rate
From 5.5% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate
From 6.2% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Upgrade kitchen equipment regularly. Off balance sheet.

Representative example

Borrow £55,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£1,144. Total amount payable: ~£54,912. Rates depend on your circumstances.

Popular models

Model Price Range Type
Rational iCombi Pro 20-2/1 £18,000 – £28,000 Large Combi Oven
Blue Seal G508D Range £4,000 – £7,000 8-Burner Range
Foster EcoPro G2 EP1440H £3,500 – £5,500 Double Fridge
Meiko M-iClean H £10,000 – £16,000 Hood Dishwasher

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Tax benefits

Commercial kitchen equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one. HP allows capital allowances. Lease payments are fully deductible from profits.

Market context

The average UK restaurant kitchen refit costs £40,000–£80,000. Over 45,000 restaurants operate in the UK. Kitchen equipment typically has a 7–10 year working life with proper maintenance.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Our eligibility check uses a soft search only — no impact on your credit score.

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Frequently asked questions

Can I finance a complete kitchen refit?
Yes. Most lenders allow you to bundle all kitchen equipment, extraction, and installation into a single finance agreement. This is the most common approach for new restaurant openings.
What deposit do I need?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit. Larger deposits reduce monthly payments.
How quickly can I get kitchen finance?
Most applications are approved within 24–48 hours. For deals under £50k, same-day approval is common.
Can startups get commercial kitchen finance?
Yes, though options are more limited under 2 years trading. Start-up restaurants may need a personal guarantee, higher deposit, or evidence of a signed lease and business plan.

Guides and resources

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