Commercial Cooking
- Ranges & ovens
- Fryers & grills
- Specialty cooking equipment
Structured financing lets your equipment pay for itself through daily service instead of draining upfront capital.
With the right financing structure, your kitchen can:
Startups can qualify using liquidity and ownership strength.
Regular incoming revenue signals stronger approval potential than reported profit alone.
Standard kitchen equipment holds predictable resale value, improving approval strength.
Approval options exist even if credit isn't perfect, especially with strong business fundamentals.
Every approval is different. Available options may depend on the equipment type, vendor, installation timeline, business revenue, time in business, credit profile, cash flow, down payment, and overall deal strength.
Apply in minutes and connect with a Truecore Capital rep who will help you secure the best options for your business — with flexible terms, fast approvals, and no upfront costs.
*Soft pull only — applying will not impact your credit score.
Yes, but new restaurant financing is usually more file-sensitive. A solid down payment, strong bank statements, relevant restaurant or hospitality experience, clear buildout plan, and complete vendor quote can help improve approval potential.
Yes. Used restaurant equipment can sometimes be financed, especially when the equipment has clear resale value and reliable documentation. Lenders may review the equipment type, age, condition, seller information, invoice, and how it will be used in the business.
In many cases, yes. Full kitchen buildouts may include cooking equipment, refrigeration, prep stations, hoods, ventilation, dishwashing equipment, POS systems, and other equipment packages. Lenders may want a complete vendor quote, installation details, and a clear business use case.
Lenders usually look at the equipment type, vendor, total project cost, business revenue, time in business, credit profile, cash flow, down payment, and overall deal strength. Standard commercial kitchen equipment with predictable resale value can be easier to review.
Vendor purchases are often easier to review when there is a clear quote or invoice. Private-party purchases may still be possible, but lenders may request additional seller information, photos, serial numbers, equipment condition details, or proof of ownership.
Pre-qualification can happen quickly with a soft pull that won’t impact your credit score, giving you a fast look at potential financing options. Full approvals can be as quick as same-day — sometimes within a few hours — when the application, quote, vendor information, equipment details, and required business documents are complete.
Challenged credit does not automatically mean a restaurant equipment financing deal is impossible. Options may depend on the equipment package, down payment, revenue, bank statements, time in business, and overall deal strength. For challenged credit profiles, a stronger down payment can help improve how the file is reviewed.
When payments are managed responsibly and the financing account is reported appropriately, restaurant equipment financing will help strengthen your business credit profile for future purchases.
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