Finance the hood, the walk-in, the line — and keep your cash.
Prepline Capital finances restaurant equipment from $10,000 to $2,000,000 over 24 to 72 months, up to 100% of the invoice including freight and installation. 600 minimum FICO, 6 months in business, $15,000 a month in deposits. Approval in 1 to 3 business days, and we pay your vendor directly. New and used equipment, dealer or private sale.
What are the criteria?
Equipment financing — criteria
- Amount
- $10,000 – $2,000,000
- Term
- 24 – 72 months
- Financed percentage
- Up to 100% of invoice, including freight, install and tax
- Minimum credit score
- 600
- Minimum time in business
- 6 months
- Minimum monthly deposits
- $15,000
- Documents
- Application + 3 months of bank statements + the vendor quote or invoice. Under $150,000 is usually application-only.
- Collateral
- The equipment itself. No additional blanket lien under $250,000.
- Condition
- New or used. Dealer or private-party sale.
- End of term
- $1 buyout or fair-market-value lease — you choose at signing
- Vendor payment
- Paid directly to your vendor, usually within 24 hours of signing
- Approval
- 1 – 3 business days
- Underwritten
- In-house by Prepline Capital; equipment partners for new builds and businesses under 6 months
What does restaurant equipment cost, and what will you finance?
Real 2026 price ranges for the equipment we finance most. Every one of these can be written over 24 to 72 months at up to 100% of the invoice.
Cooking line
- Combi oven$10,000 – $30,000
- Six-burner range with convection base$4,000 – $9,000
- Conveyor or deck pizza oven$8,000 – $45,000
- Fryer bank with filtration$6,000 – $20,000
- Charbroiler, plancha, salamander$3,000 – $12,000
Refrigeration
- Walk-in cooler or freezer, installed$12,000 – $45,000
- Reach-ins, prep tables, undercounters$3,000 – $15,000
- Ice machine with bin$3,000 – $9,000
Ventilation and safety
- Hood, make-up air and Ansul suppression$15,000 – $60,000
- Grease interceptor$4,000 – $20,000
Front of house and systems
- POS, KDS, handhelds and cash drawers$3,000 – $25,000
- Bar build, draft system, glycol lines$10,000 – $80,000
- Furniture, banquettes, lighting$15,000 – $120,000
Mobile and off-premise
- Food truck or trailer, built out$50,000 – $200,000
- Catering van with hot-hold$35,000 – $90,000
Dish and prep
- Conveyor or door-type dish machine$5,000 – $35,000
- Mixers, slicers, vac-pac, combi prep$2,000 – $18,000
Section 179 and why December matters
Equipment placed in service before December 31 may be deductible in that tax year under IRC Section 179, including equipment you financed rather than bought outright — which is the point. You can put $120,000 of kitchen equipment into service on a 60-month note and still take the deduction in the year it goes in.
Talk to your CPA about your specific limits and phase-outs; we are not giving you tax advice. But if you are going to do it, do it before the cutoff, and build in lead time — a hood and suppression job is rarely a two-week install.
Lease or finance?
$1 buyout
You own the asset at the end. Higher payment.
Best for a 15-year asset: a hood, a walk-in, a grease interceptor, a bar build.
FMV lease
Lower payment. Return it or buy it at fair market value at the end.
Best for anything that goes obsolete: POS, KDS, handhelds, displays.
You choose at signing, not after.
How does restaurant equipment financing work?
- Send the quote with your application. Application, three months of bank statements, and the vendor quote or invoice. Under $150,000 is usually application-only.
- Approval in 1 to 3 business days. 600+ FICO, 6 months in business, $15,000 a month in deposits. The equipment itself is the collateral, and files under $250,000 carry no additional blanket lien.
- We pay your vendor directly. Usually within 24 hours of signing, including freight, install and tax — up to 100% of the invoice.
- You pick the end of term at signing. $1 buyout or fair-market-value lease.
Under 600 credit, or under 6 months open? Working capital has no credit minimum and can be used for equipment — many operators buy the asset with an advance today and refinance it into equipment paper later.
What a restaurant needs to qualify.
Every number below is a real criterion. If you clear these, apply. If you don’t, call us and we’ll tell you what would change it.
| Minimum monthly revenue | $15,000 in business bank deposits |
|---|---|
| Minimum time in business | 6 months |
| Minimum credit score | None for working capital, equipment financing, or factoring. 600+ for a line of credit. 650+ for a term loan. 680+ for SBA. |
| Funding range | $10,000 to $2,000,000 for working capital and equipment. Up to $5,000,000 for term loans, SBA, and factoring facilities. |
| Time to a real offer | About 4 business hours on a complete file. |
| Time to funding | 24 hours. Same day if a clean file is signed before 11:00 AM ET. |
| Documents required | Application plus your 3 most recent months of business bank statements. 4 months if your business is seasonal. |
| Contract length | 2 pages. |
| Repayment | Fixed daily or weekly ACH from your operating account. No POS split funding. No holdback percentage. No lockbox. |
| Prepayment discount | Up to 30% off the remaining balance when a working capital advance is paid off within the first 30, 60, or 90 days. |
| Cash sales | Counted. We underwrite bank deposits, not card volume alone. |
| POS requirement | None. Toast, Square, Clover, Aloha, Micros, Lightspeed, SpotOn, or a cash drawer — it makes no difference to underwriting. |
| Hospitality types approved | Full-service and quick-service restaurants, pizzerias, bars, taverns, nightclubs, breweries and taprooms, coffee shops, bakeries, caterers, event and banquet venues, food trucks and mobile vendors, ghost kitchens, hotels, motels, B&Bs, hookah lounges, and franchise restaurant groups. |
| Not required | Collateral for working capital. A business plan. Tax returns under $500,000. A specific POS. A minimum number of locations. A liquor license — but we fund venues that hold one. |
| Open to | U.S. businesses with a U.S. business bank account. All 50 states. |
Four minutes. Three bank statements. No credit impact to apply.
Equipment questions, answered.
Can I finance used restaurant equipment?
Yes. New or used, dealer or private-party sale. A used combi oven from a closing restaurant finances on the same terms as a new one from a dealer, subject to the asset’s condition and remaining useful life.
Can I finance equipment with a 580 credit score?
Not under this product — equipment financing has a 600 minimum. Working capital has no minimum credit score and can be used to buy equipment, which is the usual path under 600.
Do you finance a food truck?
Yes. A built-out food truck or trailer runs $50,000 to $200,000 and finances as equipment over 36 to 72 months. A catering van with hot-hold runs $35,000 to $90,000. A brick-and-mortar operator adding a truck usually qualifies on the restaurant’s statements.
Do you pay my vendor directly?
Yes. Prepline Capital pays your vendor directly, usually within 24 hours of signing. You never need to front the money and get reimbursed.
Can I finance installation and freight?
Yes. Up to 100% of the invoice is financeable, including freight, installation and tax. On a hood and suppression job the install is frequently a third of the total, and it goes into the same paper.
Buy the asset. Keep the cash.
$10,000 to $2,000,000 over 24 to 72 months, up to 100% of invoice. Approval in 1 to 3 business days and your vendor is paid directly.