Finance Your Whole Kitchen in One Deal

Commercial kitchen equipment financing covers a full kitchen package — ranges, hoods, refrigeration, prep stations, dishwashing — as a single financed deal rather than piecing together separate loans per appliance. Packages typically run $40,000 to $150,000 for a full-service buildout, financed over 3–7 years with the equipment itself as collateral, which is why approval comes back in days rather than weeks.

What Counts as a Kitchen Package

A full commercial kitchen package usually bundles: cooking equipment (ranges, ovens, fryers, griddles), ventilation (hoods and fire suppression), refrigeration (walk-ins, reach-ins, prep tables), dishwashing and sanitation, and prep surfaces and storage. Lenders that specialize in restaurant equipment will finance the whole package as one deal, which is typically faster and simpler than financing each piece separately with different vendors.

Typical Cost by Kitchen Size

See the complete line-by-line breakdown, including buildout and non-equipment costs, in restaurant startup costs.

How Package Financing Works

The lender pays the equipment vendor (or reimburses you against invoices), you repay over 3–7 years, and the equipment secures the loan — meaning no separate real estate or blanket business lien is typically required. Because the collateral does most of the underwriting work, approval focuses more on the equipment quote and less on years of tax returns, which is why kitchen packages often close in 2–5 business days once documentation is in.

New Kitchen Build vs. Replacing Existing Equipment

A new restaurant financing a full buildout usually needs the complete package above, sized to the menu and volume. An established restaurant replacing aging equipment can finance just the pieces that failed — a range, a walk-in — without touching the rest of the kitchen. Both use the same financing mechanism; only the deal size differs. If budget is tight, used restaurant equipment financing can cut the package cost significantly without changing the financing structure.

New Restaurant, No Operating History — Can You Still Finance a Kitchen?

Yes. Because the equipment secures the loan, startup restaurants qualify more easily for kitchen financing than for a general business loan — lenders lean on the equipment invoice, your personal credit, and often a larger down payment (15–25%) instead of a restaurant track record you don't have yet. See restaurant startup loans for how this fits into funding a new restaurant overall.

The Tax Angle

Financed kitchen equipment can typically qualify for the Section 179 deduction, letting you deduct the full purchase price in the year it's placed in service rather than depreciating it over years — meaningful money on a $75K-$150K package. Confirm current-year limits with a tax professional.

Kitchen Financing vs. General Business Loans

A commercial kitchen package financed as equipment typically costs less than folding the same amount into a general business loan or SBA loan, because the collateral lowers the lender's risk. It's worth financing the kitchen separately even when you're also taking a larger loan for buildout or working capital — see the full comparison in restaurant business loans and restaurant equipment financing.

Ready to price your kitchen buildout? Run the numbers with the payment calculator, then see your financing options — one soft inquiry, no fees.