Commercial Cooking
Commercial ovens, ranges, griddles, fryers, broilers and combi ovens used in the cooking line.
Restaurant and Food Service Equipment Financing
Restaurant and Food Service Equipment Financing
Equip an opening, replace an unreliable unit or prepare for your next expansion. GFLS reviews new and used restaurant and food service equipment financing requests from $25,000 to $5,000,000 nationwide for restaurants, cafes, bakeries, caterers, commissaries and other food-service businesses.
Call 480-478-7413 or send a text.
Ready with the details? Complete the full application.
Veteran-ownedFounded in 2009NationwideBBB AccreditedFull-story review
Restaurant Equipment Financing at a Glance
Financing range$25,000 to $5,000,000
EquipmentNew and used commercial kitchen equipment
BusinessesEstablished operators and select startups or newer businesses
Project scopeIndividual assets or qualifying equipment packages
ReviewCash flow, credit, equipment, seller and project purpose
The equipment and the operating need
Keep More Working Capital Available for the Kitchen and Beyond
Inventory, payroll, rent, utilities and opening expenses compete for the same cash as a new oven or refrigeration system. Financing can spread the equipment purchase cost over time and leave more cash available for day-to-day operations.
GFLS reviews the purchase in context: the business history, cash flow, equipment, vendor and the reason for the project. Tell us whether the equipment supports a replacement, renovation, new location or a change in service.
Planning a kitchen package? Send the itemized equipment list, vendor quote and installation or opening schedule. A clear project overview helps us identify the next practical step.
Restaurant and Food Service Equipment We Can Review
Individual assets and equipment packages may be considered. Eligibility depends on the equipment, business, seller and overall transaction.
Refrigeration and Cold Storage
Walk-in and reach-in refrigerators and freezers, prep refrigeration and other qualifying cold-storage equipment.
Food Preparation
Commercial slicers, processors, mixers, cutters and other kitchen preparation equipment.
Bakery and Dough Equipment
Commercial mixers, proofers, dough sheeters, deck ovens and other qualifying bakery assets.
Warewashing
Commercial dishwashers, glass washers and related equipment used for food-service operations.
Ice and Beverage Equipment
Commercial ice machines, coffee and espresso systems and other qualifying beverage-service equipment.
Holding and Serving
Warming cabinets, hot-holding equipment, steam tables and qualifying food-service equipment.
Ventilation and Hood Systems
Qualifying commercial hoods, ventilation and make-up air equipment included in a documented equipment project.
For a full kitchen or an asset not listed here, send the equipment quote and project scope for review.
Start Your ApplicationPut the purchase in context
Equipment for the Next Stage of Your Operation
Replace Unreliable Equipment
Address repairs, kitchen downtime or service interruptions with a planned equipment purchase.
Open or Add a Location
Bring the equipment list, opening budget, ownership experience and planned in-service date together.
Renovate or Change the Menu
Review equipment needed for a new menu, service offering or kitchen configuration.
Expand Production or Service
Add cooking, prep, refrigeration or holding capacity while considering the rest of the operating budget.
Equipment Financing That Starts with the Business Story
Review the Full Request
Cash flow, business history, credit, obligations and what the purchase needs to accomplish are considered together.
Equipment Finance Experience
GFLS has worked with equipment transactions since 2009 and helps applicants understand the information needed for review.
Available Funding Relationships
The funding path depends on the request. GFLS evaluates available direct and partner funding options where appropriate.
New and Used Equipment
Equipment age, condition, value, configuration, seller and useful life are part of reviewing the assets.
Startup and New-Location Context
Select startups and newer operators may be considered. Ownership experience, the business plan and available resources may carry additional weight.
Equipment Package Coordination
Multiple qualifying assets and eligible delivery or installation costs may be considered when the project is clearly documented.
Opening, Expanding or Replacing Equipment?
Call or text 480-478-7413.
Prepare for review
What to Send for a Restaurant Equipment Review
Start with the application, your most recent three months of business bank statements and an itemized quote. Include the project timing so we can understand how the equipment purchase fits your operation.
- Itemized vendor quote or invoice showing the equipment, purchase prices and seller contact details.
- Make, model, year, serial number and condition details for used equipment when available.
- Planned delivery, installation, opening or in-service date when timing matters.
- Itemized delivery, installation and other project costs you want considered.
- Your most recent three months of business bank statements, including all pages.
- A brief explanation of the opening, replacement, renovation, additional location or capacity expansion.
- Business financials, tax returns, ownership experience or a startup business plan when requested.
How the Financing Process Works
Share the Equipment Plan
Tell us about the business, vendor, equipment package, total purchase amount and timing. Include the itemized quote.
Review the Business and Project
GFLS reviews the financial picture, equipment and operating reason for the purchase, and explains any additional information needed.
Complete the Approved Transaction
If approved, review the proposed structure and complete the final documents, seller requirements and funding conditions.
Frequently Asked Questions
Can used restaurant equipment be financed?
New and used equipment may be considered. Used assets are reviewed for factors such as age, condition, value, seller, configuration and remaining useful life.
Can several pieces of kitchen equipment be included?
Potentially. GFLS can review multiple qualifying assets in a single request, subject to the businesses, vendors, equipment, delivery timing and available structure.
Can a startup restaurant be considered?
Select startups and newer food-service businesses may be considered. The review may place more weight on ownership experience, the business plan, available cash, equipment and the overall transaction.
Can delivery or installation be included?
Eligible delivery, installation and other approved project costs may be considered. Provide a complete itemized quote so the requested costs can be reviewed.
What credit score is required?
Available programs may have different credit requirements. GFLS reviews credit with cash flow, operating history, obligations, equipment and the purpose of the purchase. No single factor guarantees approval.
How quickly can the equipment be funded?
A credit decision and funding are separate steps. Timing depends on a complete package, equipment and seller requirements, final documents and any approval conditions. Share your project deadline early.
Explore Related Equipment Financing
Talk with GFLS
Tell Us What Your Kitchen Needs
Share the equipment list, vendor quote and project timing. Schedule a financing call with Josh Shull, CLFP, Director of Sales, to discuss your opening, upgrade, replacement or expansion and the next step for review.
Prefer to call? 480-478-7413
All financing is subject to credit approval, program availability and final documentation. Rates, terms, advance amount, first payment or deposit, money down, fees and funding timing vary by applicant and transaction. No financing outcome is guaranteed. Tax treatment depends on individual circumstances; consult your tax adviser.