Hospitality finance
Hospitality equipment finance for kitchens, cafes and venues
Hospitality equipment finance covers commercial kitchen equipment, coffee machines, refrigeration, POS and full venue fit-outs, through a chattel mortgage, lease, hire purchase or a rent-to-own agreement. Westpac publishes its business equipment loan for commercial kitchen equipment with an optional balloon, and SilverChef, a hospitality specialist, publishes a 12-month Rent-Try-Buy rental with approval in under five minutes for funding under $65,000. The right structure depends on how long you will keep the equipment and how long your venue lease has to run.
- Westpac: business equipment loan for commercial kitchen equipment, from $15,000
- SilverChef: 12-month rental, return after 12 months with no penalty
- Shift: equipment line for purchases over $2,000, up to $2 million
- Unsecured loans from $5,000 (Prospa) for small purchases
What are the repayments on $50,000 of hospitality equipment finance?
| Loan amount | Monthly repayment at | ||
|---|---|---|---|
| 8%p.a. | 10%p.a. | 12%p.a. | |
| $15,000 | $366 | $380 | $395 |
| $30,000 | $732 | $761 | $790 |
| $50,000 | $1,221 | $1,268 | $1,317 |
| $100,000 | $2,441 | $2,536 | $2,633 |
Illustrative monthly principal and interest repayments over 4 years, before fees and charges. Rates are examples, not offers; your rate depends on the lender and your circumstances. Run your own numbers.
Move the sliders for your own amount, rate and term. For a balloon and the GST credit, use the full equipment finance calculator.
Hospitality equipment finance lenders a broker can compare
Lenders in our directory with an equipment finance product. The banks' and hospitality specialists' published terms follow below.
| Lender | Products | Current rate |
|---|---|---|
| Australia and New Zealand Banking GroupMajor bank | Products:
| Current rate: ANZ rate card (opens in a new tab) |
| Commonwealth Bank of AustraliaMajor bank | Products:
| Current rate: CommBank rate card (opens in a new tab) |
| National Australia BankMajor bank | Products:
| Current rate: NAB rate card (opens in a new tab) |
| Westpac Banking CorporationMajor bank | Products:
| Current rate: Westpac rate card (opens in a new tab) |
| BankSAMajor-bank brand | Products:
| Current rate: BankSA rate card (opens in a new tab) |
| Suncorp BankMajor-bank brand | Products:
| Current rate: Suncorp Bank rate card (opens in a new tab) |
| Bank of QueenslandTier-2 bank | Products:
| Current rate: BOQ rate card (opens in a new tab) |
| Bendigo and Adelaide BankTier-2 bank | Products:
| Current rate: Bendigo Bank rate card (opens in a new tab) |
| Angle FinanceSpecialist | Products:
| Current rate: Angle Finance rate card (opens in a new tab) |
| EarlypaySpecialist | Products:
| Current rate: Ask a broker |
| GetCapital (Shift)Specialist | Products:
| Current rate: Ask a broker |
| ScotPacSpecialist | Products:
| Current rate: Ask a broker |
Inclusion is editorial reference, not a recommendation. Rates change often, so we only show a rate we captured from the lender's own page in the last 60 days, with a link to that page; otherwise we link to the lender's rate card where it publishes one. The broker you are matched with compares the lenders on their own panel.
See all 13 equipment finance lendersWho finances hospitality equipment, and what do they publish?
The banks, a hospitality rental specialist, equipment-line and small-ticket lenders, and unsecured lenders for smaller purchases. Checked on each lender's own page between 19 and 30 September 2026; rates are set for each business, so none is shown. Terms change without notice.
| Lender | What it publishes |
|---|---|
| Westpac | Business equipment loan (it names commercial kitchen equipment) from $15,000 over 1 to 7 years, secured by the equipment; optional balloon; approved funds within 1 business day for eligible customers |
| CommBank | From $20,000; $0 upfront deposit; no monthly fees; optional balloon |
| NAB | No upfront deposit for most purchases; new or used; chattel mortgage or finance lease |
| Bendigo Bank | 100% finance, often with no deposit; optional balloon; finance lease with a mandatory residual |
| SilverChef | Rent-Try-Buy: 12-month rental with weekly payments and one week in advance; refundable bond of six weeks' rent under $200,000 of funding (12 weeks at $200,000 or more); approval in under 5 minutes for funding under $65,000; change, upgrade or buy at any time; return after 12 months with no penalty |
| Shift | Equipment line for equipment and fit-out: purchases over $2,000, limit up to $2 million, monthly instalments over 5 years; 2+ years in business listed |
| Prospa, Moula | Unsecured business loans from $5,000 (Prospa) and $10,000 (Moula), up to 5 years |
What hospitality equipment can be financed?
Anything movable on the supplier's invoice: commercial ovens, ranges and combi ovens; refrigeration, coolrooms and ice machines; dishwashers; coffee machines and grinders; bar and beverage equipment; food preparation and display equipment; POS and kitchen display systems; and furniture and fixtures. Ask the lender how it treats building work that becomes part of the premises, such as plumbing, joinery or an exhaust canopy, because it cannot take security over something it cannot remove.
Rent, lease or buy?
Buy what you will keep
Ovens, refrigeration and dishwashers that will run for years suit a chattel mortgage: you own them, claim the GST in the price on your next BAS if registered, and depreciate them. A small business under $10 million turnover can immediately deduct an eligible item costing less than $20,000, a threshold made permanent from 1 July 2026.
Lease what you will change
POS and screens date quickly, and an operating lease hands the resale risk to the lessor: the rentals are deductible, the GST is claimed on each one, and at the end you return or upgrade.
Rent while you test
SilverChef's Rent-Try-Buy is a rental, so it has no interest rate: you pay weekly rent and a refundable bond, you can change, upgrade or buy the equipment during the 12 months, and you can return it after 12 months with no penalty, paying the transport and a cleaning and servicing charge. Ownership is not automatic at the end, so if you expect to keep the equipment, compare the rent plus the buyout with the cost of buying it on finance from the start.
New venues and the venue lease
Lenders look at the operator's hospitality experience, the venue lease and the fit-out budget. CommBank publishes 12 months of trading as a floor for its equipment finance, and Prospa lends to businesses with six months of trading and $6,000 of monthly turnover, so a brand-new venue has fewer lenders to choose from.
Match the finance term to the time left on the venue lease, or show the renewal option. Equipment financed over five years in a venue with two years left on the lease is a risk for the lender and for you; a shorter term raises the repayments, which is a reason to size the fit-out to the lease you have.
What does a broker need to quote a fit-out?
- Itemised supplier quotes for the equipment, and a separate figure for building work.
- The venue lease, including the term left and any renewal options.
- For an existing business: the last two years of financials and the current BAS, or recent bank statements for a smaller amount.
- For a new venue: the operators' experience, the budget and the opening plan.
Hospitality equipment you can finance
Movable equipment on a supplier's invoice, new or used.
Related guides
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are calculated on a secured loan of $150,000 over 25 years for home loans, a loan of $30,000 over 5 years for car and personal loans, and $50,000 over 5 years for equipment finance, unless the lender states another basis.
Hospitality equipment finance FAQs
What hospitality equipment can I finance?
Can I finance a full restaurant or cafe fit-out?
Is hospitality equipment finance available for new businesses?
Should I rent, lease or buy hospitality equipment?
What does SilverChef’s Rent-Try-Buy cost?
Can I finance used commercial kitchen equipment?
What if my venue lease is shorter than the finance term?
What are the repayments on $50,000 of hospitality equipment?
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