Restaurant Equipment Financing Calculators
Model loans, leases, lease vs buy, and ROI for ovens, refrigeration, prep stations, POS hardware, and more.
Equipment Loan Calculator
Equipment Loan Calculator
Calculate monthly payments, total interest, and see your complete amortization schedule.
$
$12,000 (20.0%)
10.50%
48 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
Equipment Lease Calculator
Calculate lease payments using factor rates, residual values, and end-of-lease options.
$
3.000% (6.0% APR equiv.)
Factor rate is the lease cost per dollar of equipment value. Lower is better.
36 months (3.0 years)
$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.
$
Loan Options
$12,000 (20.0%)
10.50%
48 mo (4.0 yr)
Lease Options
3.000%
36 mo (3.0 yr)
$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
Equipment ROI Calculator
Calculate return on investment, payback period, and revenue projections for equipment purchases.
$
$
$
48 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.
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