Hospitality Equipment Finance for Australian Cafés, Restaurants and Venues

Upgrade your café, restaurant, bar or food business without putting pressure on your cash flow. Equippay helps Australian hospitality businesses access finance for coffee machines, ovens, refrigeration, dishwashers, POS systems, commercial kitchen equipment, furniture, fit-outs and more. Whether you are opening a new venue, replacing old equipment or expanding your capacity, we can help you structure finance around your business.

Hospitality business equipment
Estimate your repayments
EQUIPMENT COST
$50,000
WEEKLY
$364
per week
MONTHLY
$1,578
per month
Apply for equipment finance
Indicative repayment estimate
Secure online application
Fast online application
Apply with basic business and equipment details.
Finance from $2k–$500k
Suitable for single machines, kitchen upgrades or full venue fit-outs.
Flexible repayment options
Choose a structure that suits your venue’s cash flow.
Australian support
Speak with a local equipment finance specialist.

Hospitality equipment is essential. But it can tie up cash fast.

Running a hospitality business means managing tight margins, staff costs, rent, supplier bills, stock, maintenance and daily operating pressure. At the same time, your equipment has to keep up. A failing coffee machine, unreliable fridge, slow dishwasher or outdated oven can affect service, customer experience and revenue. But paying upfront for new commercial equipment can drain working capital that may be needed elsewhere in the business. Hospitality equipment finance can help you upgrade, replace or expand your equipment while spreading the cost over time.

High upfront equipment costs

Commercial kitchen equipment, refrigeration, coffee machines and fit-outs can require a large upfront investment.

Cash flow pressure

Hospitality businesses often need to manage wages, stock, rent, utilities and supplier accounts at the same time.

Equipment breakdowns

When essential equipment stops working, it can disrupt service and cost your venue revenue.

Growth and expansion

Opening a new venue, adding a kitchen, expanding seating or upgrading systems often requires equipment before the extra revenue comes in.

Hospitality equipment you can finance

Equippay can assist with finance options for a wide range of hospitality and food service equipment. Whether you are buying one coffee machine or fitting out an entire venue, Equippay can help you explore suitable finance options.

Commercial Coffee Machines

Coffee Grinders

Commercial Ovens

Combination Ovens

Convection Ovens

Pizza Ovens

Cooktops & Ranges

Deep Fryers

Grills & Hot Plates

Commercial Dishwashers

Glass Washers

Commercial Refrigeration

Freezers & Cool Rooms

Display Fridges

Ice Machines

Food Prep Benches

Mixers & Processors

Bain-maries

Exhaust & Ventilation

POS Systems

Online Ordering Systems

Tables, Chairs & Furniture

Bar Equipment

Kitchen Fit-Out Costs

Front-of-House Fit-Out Costs

Delivery & Installation Costs

Built for Australian hospitality businesses

We work with a wide range of hospitality and food service businesses, including:

  • Cafés
  • Restaurants
  • Bars and pubs
  • Takeaway shops
  • Bakeries
  • Catering businesses
  • Food trucks
  • Commercial kitchens
  • Hotels and accommodation venues
  • Clubs and entertainment venues
  • Franchise food businesses
  • Dessert shops
  • Juice bars
  • Coffee roasters
  • Ghost kitchens and delivery kitchens

If the equipment is used for your business, there may be a finance option available.

Estimate your equipment repayments

Use the repayment calculator to get an idea of what your hospitality equipment finance could look like. Your final repayment will depend on the equipment type, loan amount, business profile, lender approval, term selected and any applicable fees.

Estimate your repayments
EQUIPMENT COST
$50,000
WEEKLY
$364
per week
MONTHLY
$1,578
per month
Apply for equipment finance
Indicative repayment estimate
Secure online application

How hospitality equipment finance works

Simple steps, whether you are upgrading your venue or selling equipment to hospitality businesses.

Finance your equipment

1
Choose your equipment
Find the hospitality or commercial kitchen equipment you want to purchase from your preferred supplier.
2
Apply online
Submit your application with basic details about your business and the equipment you want to finance.
3
Get an outcome
We review your application and match it with suitable finance options from our lender network.
4
Finalise the purchase
Once approved, the finance documents are completed and payment is arranged with the supplier.
5
Start using the equipment
Install the equipment, open your doors and repay the finance over the agreed term.

Help your customers buy sooner

Help your customers buy sooner by offering finance at the point of sale. Equippay gives suppliers a simple way to provide equipment finance options without becoming the broker, chasing banks or managing the approval process yourself.

  • Give customers repayment estimates quickly
  • Reduce "I'll think about it" delays
  • Help customers purchase larger equipment packages
  • Track applications through the partner portal
  • Get paid once the finance settles
  • Earn commission on eligible settled deals

Helping hospitality businesses invest in better equipment

For hospitality businesses, equipment is not just a purchase. It directly affects service speed, food quality, customer experience and daily operations.

Whether you need a new coffee machine, commercial oven, cool room, dishwasher, POS system or full kitchen fit-out, Equippay helps make the purchase easier to manage by spreading the cost over time.

Instead of delaying upgrades because of upfront equipment costs, finance can help your venue keep moving while protecting cash flow.

Why hospitality businesses use Equippay

Preserve cash flow

Keep cash available for wages, rent, stock, supplier accounts and day-to-day operating costs.

Replace equipment faster

When essential equipment breaks down or becomes unreliable, finance can help you act sooner.

Support venue growth

Finance can help you expand your kitchen, increase service capacity, open a new location or improve the customer experience.

Buy better equipment

Choose equipment that suits your venue's long-term needs rather than settling for a cheaper short-term option.

Flexible repayment options

Spread the cost of equipment over time with repayments that suit your business cash flow.

Local support

Deal with an Australian team that understands business equipment finance.

Frequently asked questions

Yes. Used or refurbished hospitality equipment may be considered depending on the age, condition, supplier, equipment type and lender requirements.

Ready to finance hospitality equipment?

Upgrade your café, restaurant, bar or food business with finance options designed for Australian hospitality businesses. Apply online and see what hospitality equipment finance options may be available for your business.

For restaurant owners
Finance your equipment
Apply online and see what finance options may be available for your business.
Apply now
For equipment suppliers
Close bigger deals
Help customers explore finance options and earn commission on eligible settled deals.
Become a partner