Lendus.

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.

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

Typical Cost

£5k – £200k

Approval Speed

24–48 hours

Same-day for < £30k

Rates From

From 5.8% APR

Compare restaurant equipment finance rates from 200+ lenders

Check Eligibility

Finance options

Hire Purchase (HP)

Rate
From 6.2% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Restaurateurs wanting to own equipment outright

Finance Lease

Rate
From 5.8% 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 6.5% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Upgrade equipment as your restaurant grows. Off balance sheet.

Representative example

Borrow £45,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£936. Total amount payable: ~£44,928. Rates depend on your circumstances.

Popular models

Model Price Range Type
Rational iCombi Classic 6-1/1 £7,000 – £11,000 Combi Oven
Hoshizaki IM-240ANE £3,500 – £5,500 Ice Machine
True TWT-48SD £2,500 – £4,000 Prep Counter Fridge
Lincat Opus 800 Suite £15,000 – £30,000 Full Cooking Suite

Ready to compare restaurant equipment finance? 2 minutes, no credit check.

Check Eligibility

Tax benefits

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.

Market context

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.

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.

Compare rates from 200+ lenders — takes 2 minutes.

Check Eligibility

Frequently asked questions

Can I finance a full restaurant fit-out?
Yes. Most lenders allow you to bundle all kitchen and front-of-house equipment into a single finance agreement. This is the most cost-effective approach for new 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.
Can new restaurants get finance?
Yes, but options are more limited under 2 years trading. You'll typically need a personal guarantee, a business plan, and evidence of a signed lease.
How quickly can I get restaurant equipment finance?
Most applications are approved within 24–48 hours. For deals under £30k, same-day approval is common.

Guides and resources

Ready to finance your restaurant equipment?

Compare rates from 200+ lenders. No credit check.

Check Eligibility →
Check Eligibility — 2 min, no credit check