Restaurant Equipment Finance
Spread the cost of restaurant equipment from £5,000 to £200,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.
⚡60-second enquiry
🔒No credit check
📊200+ lenders
🇬🇧UK-based advisors
Typical cost range
£5,000 – £200,000
Average: £45,000
Finance available
HP · Lease · Refinance
From 5.8% APR
Approval speed
24–48 hours
Same-day for < £30k
Get Restaurant Equipment finance quotes
Tell us what you need and we'll match you with lenders who specialise in hospitality & catering.
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Finance Options for Restaurant Equipments
Hire Purchase (HP)
RateFrom 6.2% APR
Term12–60 months
Deposit10–20%
OwnershipYours at the end
Best for: Restaurateurs wanting to own equipment outright
Finance Lease
RateFrom 5.8% APR
Term12–60 months
DepositNone required
OwnershipReturn or buy (balloon payment)
Best for: Tax-efficient — claim 100% of payments against profit
Operating Lease
RateFrom 6.5% APR
Term24–48 months
DepositNone required
OwnershipReturn at end
Best for: Upgrade equipment as your restaurant grows. Off balance sheet.
Popular Restaurant Equipment Models & Costs
Rational iCombi Classic 6-1/1£7,000 – £11,000Combi Oven
Hoshizaki IM-240ANE£3,500 – £5,500Ice Machine
True TWT-48SD£2,500 – £4,000Prep Counter Fridge
Lincat Opus 800 Suite£15,000 – £30,000Full Cooking Suite
Tax Benefits of Restaurant Equipment Finance
Restaurant 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 Restaurant Equipment Market
The UK restaurant sector is worth £42bn in annual turnover. The average independent restaurant spends £30,000–£60,000 on kitchen equipment for a new opening. Equipment replacement cycles average 5–8 years.
Frequently Asked Questions
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