Finance and own
A chattel mortgage lets you own the gear from day one, which suits long-lasting items like ovens, fryers and benches.
Hospitality equipment
Hospitality Equipment Finance for Cafes, Restaurants and Bars
The combi oven died on a Friday or the coolroom quit overnight. Finance the replacement fast and keep the doors open for the weekend rush.
Keep the doors open
When the kitchen breaks down before service
Few businesses feel an equipment failure faster than hospitality. If the coffee machine fails at 6am, the morning trade walks across the road. If the coolroom compressor gives out overnight, there's stock to throw away and a menu to rewrite. If the dishwasher floods on a Saturday, service grinds to a halt. Every hour counts, and nobody has time to sit in a bank branch.
Hospitality equipment finance lets you replace or upgrade gear without emptying the account you need for wages, rent and suppliers. The equipment secures the finance, so the decision rests on the asset and how your business trades rather than a long list of hoops. Repayments come out of the same takings the new equipment helps generate, which is a far easier pill to swallow than one large invoice.
Loanster helps cafe owners, restaurateurs, publicans, caterers and food truck operators move quickly. Tell us what you need and when it has to be running. A real person looks at your situation, and with documents ready, apply today, cashed up tomorrow is a realistic aim. Here's what you need to know before the next service.
Hospitality equipment finance is a loan or lease that funds commercial kitchen and front-of-house gear for cafes, restaurants, bars, caterers and food trucks, usually secured against the equipment. It covers items like coffee machines, combi ovens, coolrooms, dishwashers and POS systems. With a supplier tax invoice, ID and bank statements ready, next-business-day settlement is possible for straightforward applications.
Pick the right fit
Finance, rent or pay cash?
Each choice affects cash flow in a different way.
Rent or lease
Suits gear you may want to upgrade, like coffee machines and POS systems, with options at the end of the term.
Pay cash
No repayments, but it can leave you short for wages and stock in a quiet month, which is a risk in hospitality.
What hospitality equipment can I finance?
Most commercial kitchen and front-of-house gear can be financed, whether it's one coffee machine or a full kitchen. Lenders prefer commercial-grade equipment from established suppliers.
If you're also building or renovating, including joinery, flooring, extraction and plumbing, those costs often need a different approach. See fit-out loans for that side of the project.
- Espresso machines and grinders
- Combi ovens, ranges, fryers and grills
- Coolrooms, freezers and refrigerated displays
- Commercial dishwashers and glass washers
- POS systems, tablets and printers
- Food trucks and catering trailers
My coffee machine died this morning. How fast can I get a new one?
Ring your supplier and ask for a loan machine while you sort the replacement; many will help a regular customer out. Then get a written quote or tax invoice for the new machine and send it with your ID and recent bank statements.
On a straightforward application, approval can move quickly and next-business-day settlement is possible. For smaller items, unsecured funding for trading businesses is another option, with same-day funding possible for smaller amounts. Our page on urgent equipment finance walks through other breakdown scenarios.
Can a new cafe or restaurant get equipment finance?
It's possible, though lenders will look harder at a business with little or no trading history. Industry experience, a solid business plan, a signed lease and a deposit all help an application for a new venue.
If you're buying an existing cafe or restaurant, the equipment may come with the business. For the purchase itself, our business acquisition loans page explains the options.
Apply today… cashed up tomorrow!
Need the gear on site this week?
Start the 60-second enquiry now. When your documents are ready and the deal is straightforward, being cashed up as soon as tomorrow is possible for eligible applicants.
Can I finance second-hand kitchen equipment?
Yes, especially when bought from a dealer who refurbishes commercial gear. Private sales and auction purchases from closing venues are possible too, but expect the lender to ask about age, condition and proof that nothing is owed on the equipment.
Check our used equipment finance page before you buy at auction, and line up pre-approval so you can move quickly.
Should I rent or buy my coffee machine?
It depends on how central coffee is to your trade and how often you like to upgrade. A busy specialty cafe pulling shots all day may prefer to own a top-end machine outright over time with a chattel mortgage, keeping it for years with regular servicing.
A venue where coffee is a side line, or one that likes to refresh its gear every few years, may be better off renting. Rentals often bundle in an upgrade path, though the total cost over time can differ from owning. Our lease vs loan guide lays out the trade-offs, and your accountant can advise on the tax side.
Can I get hospitality equipment finance with bad credit?
Hospitality is a tough industry and plenty of good operators have a bump or two on their file. Because the equipment acts as security, some lenders can look past past issues when current trading is solid. ATO debt is considered case by case.
Be upfront about any history in your enquiry. It helps us go straight to a lender who will consider it, rather than burning time on one who won't. You might also find our hospitality business loans page useful for wider cash flow needs.
Get your kitchen running again
The enquiry takes about 60 seconds. There's no credit check when you first enquire, your details aren't passed to a long list of lenders, and a real person looks at your situation.
Fill it in accurately so we can match you first time, and start your 60-second enquiry. Subject to lender approval, you could be paying the supplier as soon as tomorrow and back on the pass for the weekend.
Trust and process
Clear, secure finance enquiries
Loanster keeps the enquiry process straightforward: no credit check to enquire, a real person looks at your situation, and your details are not sprayed out to a pile of lenders.
Secure online enquiry
Personal details are submitted through a secure form and are not sent through URL query strings.
Australian business context
Enquiries can include ABN, BAS, ATO, bank statement and asset details where relevant.
Lender criteria apply
Approval, pricing, loan amounts and funding times depend on lender assessment.
Clear next steps
Loanster helps identify what information may be needed before a lender can make a decision.
Common questions
Hospitality Equipment Finance for Cafes, Restaurants and Bars FAQs
Can I finance a coffee machine?
Yes. Coffee machines and grinders are among the most commonly financed hospitality items, either on a loan or a rental that allows upgrades.
Can a food truck be financed?
Yes. Food trucks and catering trailers can be financed, including the vehicle and the kitchen fit-out, provided it's used for business.
Do I need a deposit for hospitality equipment?
Established venues buying new gear from a supplier often don't. Newer businesses or used equipment may need a deposit.
Can I finance a coolroom?
Yes. Coolrooms and freezer rooms can be financed, though installation costs need to be on the supplier's invoice to be included.
Can I finance POS and ordering systems?
Yes. POS hardware, tablets and printers are commonly financed, often on a rental that allows you to upgrade.
What if my venue is seasonal?
Some lenders can structure repayments to suit seasonal trade. See our seasonal business loans page for other options.
Related finance options
Explore connected Loanster pages
Hospitality Business Loans for Cafes, Restaurants and Bars
When the cool-room fails on a Friday or the quiet weeks drag on, hospitality cash flow needs answers fast. Here is how quick funding works for venues.
Fit Out Loans for Australian Businesses
Explore finance for shop, office, clinic, hospitality or commercial fit outs, subject to lender approval and project details.
Urgent Equipment Finance When the Gear Can't Wait
A machine died, a contract landed or a supplier is holding stock for you. Here's how to get urgent funding for new equipment without losing the week.
Used Equipment Finance for Dealer, Private and Auction Buys
Found the right second-hand machine at the right price? Here's how to finance it before someone else snaps it up.
All equipment loan options
See every equipment loan page on Loanster in one place.
Start your enquiry
See what you may qualify for
Tell Loanster what kind of finance you are looking for and the team will guide you through the next step. Please fill in the form accurately so we can match you first time. Finance is subject to lender approval, eligibility criteria, terms and conditions.
Prefer to talk? Call 03 9999 7370.
Last reviewed: 24 October 2026
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