Restaurant Equipment Financing vs Leasing (2026)

See how much your restaurant qualifies for

$25K to $5M on any POS — approved on your revenue, funded in as little as 24 hours. Higher limits than processor-tied lenders.

✓ 500+ credit
✓ 6+ months open
✓ $10K+/mo revenue

1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

How funding works, step by step

From application to funding in four steps — most contractors complete it within a day.

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

We review your deposits

Approval is based on your last 3 months of business bank statements — not tax returns or the contract.

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

Financing vs leasing

How the two compare for restaurant equipment.

Criteria	Financing	Leasing
Ownership	Yours at payoff	Lender's
Monthly cost	Higher	Lower
Best for	Ranges, refrigeration	POS, specialty gear
End of term	You own it	Return or buy out
Collateral	The equipment	The equipment

Why restaurants fund with us

Underwritten on your sales and deposits, not tax returns
FICO 500+ accepted; approval on revenue
Funds in as little as 24 hours
Repay as fixed amounts or a share of daily sales
Built for quick-service, cafes, and fast-casual
No obligation — a soft credit pull to see options

What you need to apply

US-based restaurant or food business
6+ months in operation
~$30,000+ in monthly revenue or card sales
Last 3 months of bank statements
Valid EIN and business bank account

Frequently asked questions

Should a restaurant finance or lease kitchen equipment?

Finance heavy, long-life equipment to build ownership; lease gear you upgrade often like POS hardware.

Can I finance used restaurant equipment?

Yes — used equipment qualifies, with terms based on age and your revenue.

How fast can a restaurant get funded?

Most restaurants fund within 24 hours of approval; smaller amounts can be same-day. The application takes about 5 minutes with a soft credit pull.

Can I qualify with bad credit?

Yes — FICO 500+ can qualify because approval leans on your sales and deposit history, not just credit score.

Is this a business loan or a cash advance?

Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.

What can I use the funds for?

Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.

Are there any upfront fees to apply?

No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

Comparisons reflect typical 2026 industry structures for general information and vary by lender and underwriting; your actual terms are set at application. Product and company names referenced are the property of their respective owners.

Why restaurants choose Toast Funding

Independent and POS-agnostic — a faster, higher-limit alternative to processor-tied offers. We are not Toast, Inc.

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Any POS, no lock-in

Toast, Square, Clover, Aloha, TouchBistro — keep or switch processors without losing your funding.

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Funded in 24 hours

Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.

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Higher limits, approved on revenue

Up to $5M vs a processor cap. 500+ FICO accepted, underwritten on your deposits and sales.

Restaurant Equipment Financing vs Leasing