Finance the equipment you just compared. We can connect you with brokers who understand commercial kitchens — and we never take a cut of your equipment price.
Takes two minutes. Indicative enquiry only — not an offer of credit.
At KitchenCompare we track prices across 101 Australian retailers — so we see what a fitout costs in the real market. This page explains how commercial kitchen equipment finance works in Australia, whether you're kitting out a café, restaurant, bar, pub or multi-site venue.
We help owners finance cooking equipment, refrigeration, dishwashing, extraction and front-of-house fitouts under one facility. We know the equipment because we price it every day — and we'll tell you when leasing is the wrong answer. Nothing here is credit or tax advice.
Most equipment finance is structured on the equipment itself, not your building. That usually means faster approvals and no property security — but terms vary by lender and are not guaranteed.
Use KitchenCompare to see the market range on exact model numbers before you commit to a finance amount.
A $3,000 saving on equipment is often worth more than a 0.5% rate difference over a five-year term.
Chattel mortgage, hire purchase, finance lease or operating lease — each treats ownership, GST and tax differently. See structures below (general information only).
Your accountant should confirm tax treatment before you sign.
Brokers typically ask for an ABN, recent trading history and a rough equipment list. No credit check is required to enquire through this form.
If you proceed, the lender runs their own credit and asset assessment. Any approval or rate is theirs — KitchenCompare does not approve finance.
Funds usually flow to the supplier or dealer on settlement. Confirm install timing, freight and commissioning with your equipment supplier separately.
Four structures cover most kitchen fitouts. The right one depends on cash flow, tax position and whether you want to own the equipment at the end. Educational only — not product recommendations.
You own the asset from day one; the lender holds a mortgage over it until repaid.
Best for: Established venues with stable cash flow wanting ownership and tax flexibility.
Ownership transfers after the final payment. Repayments include principal and interest.
Best for: Operators who want eventual ownership with predictable payments.
Lender owns the asset; you lease it for a fixed term with option to purchase at end.
Best for: Venues upgrading on a cycle or managing balance-sheet presentation.
Rent the equipment for a period; return or upgrade at end. No automatic ownership.
Best for: Pop-ups, trials or equipment you plan to replace within a few years.
Four questions, then we suggest a structure to discuss with your broker and accountant. Nothing is submitted — this stays in your browser.
Question 1 of 4
Ownership
Most Australian businesses with a registered ABN and trading history can access equipment finance. Lenders set their own criteria — approval is never guaranteed.
Sole traders, partnerships, companies and trusts with an active Australian Business Number.
Many lenders prefer 12+ months of trading; some offer facilities for new venues with stronger deposits or guarantors.
A supplier quote helps the lender value the security. Compare prices on KitchenCompare first, then confirm with your dealer.
Bank statements and BAS may be requested to show the business can service repayments. Indicative calculator figures are not an assessment.
Recent defaults, unresolved ATO debt or insufficient trading history. A broker can outline alternatives — we don't guarantee outcomes.
Facilities from roughly $10k to $500k+ are common for kitchen fitouts. Larger multi-site rollouts may use separate facilities per site.
Indicative examples only — rounded figures for planning. Not live catalogue quotes, lender offers or credit advice. Your rate and repayments depend on your business and the lender.
~$45,000
Espresso line, underbench fridge, combi oven, dishwasher
~$970/month
Illustrative only. Excludes fees, balloon and GST treatment. Confirm with a broker.
~$120,000
Cookline, combi ovens, walk-in cool room, exhaust, POS fitout
~$2,180/month
Illustrative only. Equipment mix and install costs vary widely.
~$280,000
Standardised kitchen package across two new sites
~$4,050/month
Illustrative only. Multi-site facilities may be staged per venue opening.
Indicative figures only. Not a quote, an offer of finance, or credit advice.
A typical fitout often splits roughly 60/40 between kitchen and dining. They depreciate differently — confirm tax treatment with your accountant.
High-value assets; usually financed on their own schedule or as part of a kitchen package. Compare exact models before you lock an amount.
Install and commissioning add to the invoice — include them in your finance request, not just the unit price.
Often bundled with kitchen packages. Check whether plumbing and hood work are in scope.
Custom stainless may be quoted separately from equipment — list all items for the broker.
May suit shorter terms or operating leases if you upgrade technology frequently.
Some lenders finance FOH fitout; others restrict to commercial kitchen equipment only.
Include install and line cleaning setup in your quote to the broker.
Not always eligible for equipment finance — confirm with your broker before relying on a single facility.
Drag the sliders to model a facility. Indicative only — excludes fees, balloon payments and GST. Not an offer of credit.
$2,295
per month, over 5 years
Assumes fixed rate over the full term, excludes establishment and account fees, and is not an offer of credit or tax advice.
General information only — confirm everything with your accountant before you sign. KitchenCompare is not a tax agent.
With chattel mortgage and hire purchase, registered businesses may claim GST credits on the purchase price — timing depends on your BAS cycle and the contract.
Eligible assets may be depreciated or written off under temporary full expensing or instant asset write-off rules — thresholds change between financial years.
Finance and operating leases can be treated differently for accounting and tax. Your accountant should classify each contract correctly.
Interest on business equipment finance is often deductible, but mixed-use assets and private venues have different rules — get advice before claiming.
A balloon or residual reduces regular repayments but creates a lump sum at end. Budget for it — it's not optional unless you refinance.
Not tax or credit advice. KitchenCompare is not a lender, credit provider or tax agent. Thresholds and instant write-off rules change — always confirm current rules with your accountant.
Lock in the models and market range on KitchenCompare before you ask for finance.
Same day
Complete the form at the top of this page with your contact and business details.
~2 minutes
Where we have an accredited broker available, we pass on your name and contact details and they contact you directly with options suited to commercial kitchen equipment.
1–2 business days
If you accept an offer, the lender settles directly with your supplier.
Varies by lender
No. We compare equipment prices independently. Finance enquiries are passed to accredited brokers and lenders — we don't approve credit or set rates.
Enquiring through our form does not run a credit check. If you proceed with a lender, they may run their own credit enquiry as part of assessment.
Some lenders finance quality used commercial equipment; age and condition limits apply. Compare used listings on KitchenCompare where available, then confirm eligibility with your broker.
Yes. A lower purchase price reduces the amount you need to finance. We track 101 retailers on exact model numbers so you see the real market range.
Ownership, GST timing and balance-sheet treatment differ. See the structures section above and confirm with your accountant — we provide general information only.
No. The calculator on this page is indicative only. It excludes fees, balloons and lender-specific pricing. It is not an offer of credit.
Many brokers include delivery and install in the financed amount if they're on the supplier invoice. Freight is not estimated on KitchenCompare — confirm costs with your dealer.
We don't take a cut of your equipment price. If we receive referral fees from brokers, that does not change comparison rankings or the prices shown in our catalogue.
Free enquiry · No credit check to enquire · ~2 minutes · Australia-wide · Not credit advice
