Conventional Equipment Financing
Kitchen equipment, HVAC, POS, furniture, vehicles. 100% financing, 2-7 years.
- Up to 100% financing
- 2-7 year terms
- 5-15% APR
- Section 179 deduction
WESTVALVE FINANCIAL • EQUIPMENT FINANCING FOR RESTAURANTS
Equipment Financing for Restaurants.
Kitchen equipment, HVAC, POS systems, furniture, vehicles — 100% financing, 2-7 year terms, Section 179 tax benefits. Fast approval for restaurant equipment.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALRESTAURANT EQUIPMENT
100% FINANCING AVAILABLE
Kitchen to front-of-house. Smart financing.
Ovens, refrigeration, HVAC, POS, furniture, vehicles — the equipment secures the loan. Lower rates, tax benefits, matched terms.
RESTAURANT EQUIPMENT FINANCING
Kitchen to front-of-house. Smart financing.
Ovens, refrigeration, HVAC, POS, furniture, vehicles — the equipment itself secures the loan. Lower rates, tax benefits, terms matched to equipment life.
SBA 504 for Restaurant Real Estate & Equipment
Owner-occupied real estate + heavy kitchen equipment. 10% down, 25-year fixed.
- Up to $5.5M
- 10, 20, 25 yr fixed
- Fixed, below market
- 10% down (15% special use)
Delivery Vehicle Financing
Delivery vans, catering trucks, food trucks. Master lease for fleets.
- Up to 100% financing
- 2-5 year terms
- Used vehicles up to 10 yrs old
- Master lease for fleets
POS & Technology Financing
POS systems, KDS, online ordering, security, WiFi. 2-4 year terms.
- Up to 100% financing
- 2-4 year terms
- Rates vary by provider and equipment type
- Software + hardware bundles
TAX BENEFITS
Section 179 & Bonus Depreciation.
01
Section 179 Deduction
Deduct up to $1.22M (2024) of equipment cost in year one. Immediate expense vs. depreciation.
02
Bonus Depreciation
60% (2024) additional first-year deduction. Combined with 179 = 80-100% year-one deduction.
03
Preserve Cash Flow
Finance 100%, deduct 80-100% year one. Equipment pays for itself from tax savings.
04
Consult Your CPA
Tax laws change. Your CPA calculates exact benefit for your entity structure and income.
RESTAURANT EQUIPMENT WE FINANCE
Kitchen to front-of-house. Every category.
Ovens & Ranges
Fryers
Refrigeration
Walk-in Coolers
Ice Machines
Dishwashers
Ventilation
POS Systems
KDS
Furniture
HVAC
Delivery Vehicles
SBA 504 vs CONVENTIONAL
Pick the right program for your kitchen.
| Feature | Conventional Equipment Financing | SBA 504 |
|---|---|---|
| Best For | $50K-$250K equipment | Owner-occupied RE + heavy equipment >$250K |
| Down Payment | 0-20% | 10% (15% special use) |
| Term | 2-7 years | 10, 20, 25 years |
| Rate | 5-15% APR | Fixed, below market |
| Collateral | Equipment only | Equipment + RE (if applicable) |
| Speed | 3-7 days | 60-90 days |
| Tax Benefits | Full 179 + Bonus | Full 179 + Bonus |
REQUIREMENTS
What you need to qualify.
Conventional Equipment Financing
- Credit: 600+ (alt), 660+ (bank)
- Time in business: 1+ year
- Revenue: $250K+ annually
- Down: 0-20%
SBA 504 for Restaurants
- Credit: 680+
- Time in business: 2+ years
- Profitable
- Down: 10% (15% special use)
Used Equipment
- Credit: 600+
- Time in business: 2+ years
- Down: 10-20%
- Equipment age limits apply
Documents
- Equipment quote/invoice
- 3 yr business tax returns
- YTD P&L + Balance Sheet
- 3 months bank statements
GET STARTED
Let's finance your kitchen.
Tell us what equipment you need — new, used, or build-out. We'll match you with the right program and provider.
FAQ
Questions about restaurant equipment financing.
Can restaurants get 100% equipment financing?
Yes. Many equipment financing programs offer 100% financing (no down payment) for restaurant equipment — the equipment itself serves as collateral. Down payment requirements vary by credit profile and equipment type (0-20%).
What restaurant equipment can be financed?
Kitchen equipment (ovens, ranges, fryers, refrigeration), HVAC systems, POS systems, furniture, delivery vehicles, walk-in coolers, ice machines, dishwashers, ventilation systems, and smallwares. Both new and used equipment can be financed.
What are the tax benefits of restaurant equipment financing?
Section 179 deduction: deduct up to $1.22M (2024) of equipment cost in year one. Bonus depreciation: 60% (2024) additional first-year deduction. Combined, you can often deduct 80-100% of equipment cost in year one. Consult your CPA for your specific situation.
Can I finance used restaurant equipment?
Yes. Most equipment financing programs finance used restaurant equipment — typically up to 7-10 years old for kitchen equipment, 5-7 years for POS/tech. Age and condition affect rate and term. We work with providers who specialize in used restaurant equipment financing.
What credit score do restaurants need for equipment financing?
Conventional equipment financing: 600+ (alt), 660+ (bank). SBA 504: 680+. Strong equipment collateral and restaurant industry experience can offset 620-659 scores. We've seen 620-640 approved with 20%+ down and 2+ years experience.
Can I finance a restaurant build-out or renovation?
Yes. Tenant improvement financing and leasehold improvement loans are available for restaurant build-outs. SBA 504 can finance leasehold improvements for owner-occupied spaces. For leased spaces, equipment financing covers kitchen equipment separately from build-out costs.