What rates are common for restaurant equipment?

Depending on credit and equipment, loans often range 9–15% APR; lease factor rates around 0.026–0.035 are typical for smaller-ticket items.

What terms should I expect?

Many restaurant deals run 24–60 months. Shorter terms reduce total interest but raise monthly payments.

Can I bundle multiple items?

Yes. Many lenders allow bundling multiple pieces of kitchen equipment into a single financing agreement.

Restaurant Equipment Leasing Calculator

This restaurant equipment leasing calculator estimates monthly lease payments for ovens, refrigeration, dishwashers, and POS—adjust term and rate, then explore loans, lease vs buy, and ROI below.

Equipment Loan Calculator

Calculate monthly payments, total interest, and see your complete amortization schedule.

Equipment Cost

Equipment Type

Down Payment$12,000 (20.0%)

Interest Rate10.50%

Loan Term48 months (4.0 years)

Loan Summary

Loan Amount

$48,000

Down Payment

$12,000 (20.0%)

Loan Results

Enter equipment details to see loan calculations

Equipment Lease Calculator

Calculate lease payments using factor rates, residual values, and end-of-lease options.

Equipment Cost

Equipment Type

Factor Rate3.000% (6.0% APR equiv.)

Factor rate is the lease cost per dollar of equipment value. Lower is better.

Lease Term36 months (3.0 years)

Residual Value$12,000 (20.0%)

Estimated equipment value at lease end. Higher residual = lower payments.

Lease Summary

Equipment Cost

$60,000

Residual Value

$12,000 (20.0%)

Factor Rate

3.000%

Lease Term

36 months

Lease Results

Enter equipment details to see lease calculations

Lease vs Buy Calculator

Lease vs Buy Comparison

Compare equipment financing options side-by-side to make the best decision.

Equipment Cost

Equipment Type

Loan Options

Down Payment$12,000 (20.0%)

Interest Rate10.50%

Loan Term48 mo (4.0 yr)

Lease Options

Factor Rate3.000%

Lease Term36 mo (3.0 yr)

Residual Value$12,000 (20.0%)

Quick Summary

Equipment: $60,000

Loan Amount: $48,000

Residual: $12,000 (20.0%)

Enter equipment details to compare financing options

Equipment ROI Calculator

Calculate return on investment, payback period, and revenue projections for equipment purchases.

Equipment Cost

Equipment Type

Monthly Revenue Generated

Monthly Operating Expenses

Analysis Period48 months (4.0 years)

Profit Summary

Monthly Profit

$5,000

Annual Profit

$60,000

• Revenue: Income generated by using this equipment

• Expenses: Operational costs (maintenance, fuel, labor, etc.)

• Analysis shows equipment's financial performance over time

ROI Analysis

Enter equipment details to see ROI analysis

Restaurant Financing Tips

Account for installation, ventilation, and electrical upgrades in total cost.
Seasonality can impact cash flow—try longer terms for smoother payments.
Leasing can simplify equipment upgrades as your menu evolves.

Explore other industries: Construction · Medical · Manufacturing

Restaurant Equipment Financing: Complete Guide

Restaurant equipment financing frequently uses shorter terms and may bundle multiple items into a single agreement. Use the calculators above to estimate payments and ROI, including expected sales lift and labor savings.

Key Considerations

Installation costs (ventilation, electrical, plumbing)
Warranty and service plan terms
Menu changes driving utilization and revenue

Best Practices

Model seasonality using conservative revenue assumptions
Consider leasing for frequent upgrades (e.g., POS systems)
Negotiate installation and delivery timelines with financing