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.
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📊200+ lenders
🇬🇧UK-based advisors
Typical cost range
£10,000 – £250,000
Average: £55,000
Finance available
HP · Lease · Refinance
From 5.5% APR
Approval speed
24–48 hours
Same-day for < £50k
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Finance Options for Commercial Kitchens
Hire Purchase (HP)
RateFrom 5.9% APR
Term12–60 months
Deposit10–20%
OwnershipYours at the end
Best for: Restaurant owners wanting to own kitchen equipment outright
Finance Lease
RateFrom 5.5% APR
Term12–60 months
DepositNone required
OwnershipReturn or buy (balloon payment)
Best for: Tax-efficient — claim 100% of payments against profit
Operating Lease
RateFrom 6.2% APR
Term24–48 months
DepositNone required
OwnershipReturn at end
Best for: Upgrade kitchen equipment regularly. Off balance sheet.
Popular Commercial Kitchen Models & Costs
Rational iCombi Pro 20-2/1£18,000 – £28,000Large Combi Oven
Blue Seal G508D Range£4,000 – £7,0008-Burner Range
Foster EcoPro G2 EP1440H£3,500 – £5,500Double Fridge
Meiko M-iClean H£10,000 – £16,000Hood Dishwasher
Tax Benefits of Commercial Kitchen Finance
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.
UK Commercial Kitchen Market
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.
Frequently Asked Questions
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