Restaurant Equipment Financing in Lexington-Fayette, KY

Lexington-Fayette restaurants running Toast, Square, Clover or any card processor can access $25,000 to $5,000,000 in restaurant equipment financing — underwritten on your card batches and daily settlement rather than credit alone (FICO 500+), with approval in 1 to 3 days. Restaurant Equipment Financing funds new or used kitchen equipment with the equipment as collateral. You don't need an existing loan or advance to qualify — this is straight first-position capital for Lexington-Fayette restaurants.

Get funded in Lexington-Fayette — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why Lexington-Fayette restaurants choose us

• Your batches are the application. A 500+ FICO in Lexington-Fayette clears when the card settlement is steady.
• No processor switch required. First-position funding that sits alongside the POS you already run.
• $25K to $5M. A new line of terminals, or the capital to open a second Lexington-Fayette location.
• Settlement-speed decisions. Most Lexington-Fayette approvals come in 2 to 4 hours and fund the same day — roughly one batch cycle.

What Lexington-Fayette operators put restaurant equipment financing toward

Card volume in Lexington-Fayette is the clearest read on a restaurant there is — it shows covers, average ticket and the swing between a Tuesday and a Saturday. Operators put the capital into:

• Buy or replace ovens, ranges, and fryers
• Add a walk-in cooler or freezer
• Upgrade the line
• Outfit a second location

How it works in Lexington-Fayette

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Lexington-Fayette restaurants are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a Lexington-Fayette business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first position, and a Lexington-Fayette operator with no open advances and clean batches gets the strongest terms.

What credit score do I need? 500+ FICO is accepted. Underwriting reads your card settlement and deposit history, not the score on its own.

Get restaurant equipment financing in Lexington-Fayette today

Funding that moves at the speed of your Lexington-Fayette batches — approved on sales, funded the same day. Apply Now ⚡