Flexible Restaurant Equipment Financing Solutions

Restaurant equipment financing may include equipment leasing, business term loans, SBA loans, revenue-based financing, merchant cash advances, and debt restructuring. The right option depends on the equipment cost, time in business, cash flow, credit profile, and whether you prefer ownership, leasing, or flexible payments tied to revenue or credit card receipts.

Credit score requirements vary by program. Traditional SBA or term loan options generally review personal credit history, business cash flow, and debt obligations more closely. However, Franklin Financing Services also works with programs designed for businesses facing poor credit, late payments, or prior bank turndowns, especially when revenue or credit card receipts support repayment.

Select financing programs can move quickly. FAST TRACK business term loans may provide an answer in 24-48 hours and funding shortly after approval. Some cash advance programs offer approvals within 48 hours and funding in under 7 days. SBA loans typically require more documentation and may take longer due to underwriting.

Depending on the program, funds may be used for kitchen equipment, refrigeration, ovens, furniture, fixtures, POS systems, leasehold improvements, working capital, or business expansion. SBA loans specifically may support machinery, equipment, furniture, fixtures, real estate, and expansion needs, while term loans and cash advances can offer broader operating flexibility.

Some programs require financial statements, bank statements, projections, debt schedules, or proof of revenue. FAST TRACK term loans may need only an application and four months of bank statements for certain loan sizes. Cash advance programs can be simpler, often requiring credit card processing history rather than full tax returns or extensive asset documentation.

Yes, certain financing options are specifically designed for restaurants that may not qualify with traditional banks. Programs such as Easy Pay Cash Advance may consider businesses with poor credit, late payments, or bank turndowns, provided they meet revenue and credit card sales requirements. Other options may require stronger credit and historical cash flow.

Equipment leasing helps restaurants obtain necessary equipment without a large upfront capital purchase, preserving working capital for payroll, inventory, marketing, and operations. A loan may be better when ownership is the priority. Leasing can be especially useful when equipment needs regular upgrades or when cash flow flexibility is important.

Yes. Franklin Financing Services offers debt restructuring that may consolidate existing equipment loans into one refinanced loan. In some cases, this can reduce monthly payments by 30% or more, improving cash flow and bottom-line performance. It is especially useful for growing businesses with multiple equipment obligations and built-in equipment equity.