Restaurant Equipment Leasing and Financing

Restaurant equipment leasing helps food-service businesses obtain needed equipment without a large upfront purchase. Instead of paying the full cost immediately, you make scheduled payments over time. This can preserve working capital for payroll, inventory, marketing, renovations, or seasonal expenses while still giving your restaurant access to ovens, refrigeration, POS systems, and other essential tools.

Many types of restaurant equipment may be eligible, including cooking equipment, refrigeration, freezers, dishwashers, prep tables, furniture, fixtures, and POS systems. Franklin Financing Services also offers broader financing options that can support leasehold improvements, working capital, business expansion, and machinery or equipment purchases through programs such as equipment leasing, SBA loans, and business term loans.

Traditional bank financing often requires strong credit, extensive documentation, and a longer underwriting process. Franklin Financing Services works with multiple lending solutions, including programs for businesses that may have poor credit, late payments, or prior bank turndowns. Certain programs may offer approvals in 24-48 hours and funding in as little as 3-7 days.

For certain working capital and term loan programs, funding may be available in as little as 3 days after approval. The Easy Pay Cash Advance program offers approvals in 48 hours and funding in under 7 days. SBA and larger equipment financing requests may take longer because they require more complete underwriting and lender review.

A personal guarantee is not required for some programs, including certain cash advance options. Other financing structures, such as SBA loans or traditional term loans, may require guarantees depending on lender criteria, credit profile, loan size, and use of proceeds. Franklin Financing Services helps compare available options so you understand requirements before moving forward.

The ideal financing structure depends on your restaurant’s revenue pattern, equipment cost, credit profile, and cash flow. Equipment leasing may fit equipment acquisition, SBA loans may support larger purchases or expansion, business term loans provide fixed repayment, and revenue-based financing adjusts payments with receipts. Franklin Financing Services reviews these options to match funding to your operating needs.

Documentation depends on the program. Fast-track term loans may require an application and recent bank statements, while revenue-based financing can require financial statements, revenue details, debt schedules, and projections if available. SBA loans typically need more detailed underwriting. The goal is to identify the least burdensome path that still fits the funding amount and lender requirements.

Yes. Franklin Financing Services offers debt restructuring that can consolidate existing equipment loans into one refinanced loan. In some cases, this can reduce monthly equipment loan payments by 30% or more, improving cash flow and bottom-line performance. This may be especially helpful for restaurants carrying multiple equipment obligations with different maturities and payment schedules.