Restaurant Equipment Financing
Hoods, coolers, ovens — financed, not bankrolled.
Equipment financing built for operating restaurants and food businesses: kitchen lines, walk-ins, hoods, ice machines, POS, and the gear for a second location.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Why Restaurant Equipment
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Restaurants, bars, cafés, bakeries, caterers, and food producers with at least two years operating. Expanding an existing concept under the same name qualifies on its own track.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Typical amounts | Sized to the equipment quote |
|---|---|
| Credit | About 700+ on most programs; around 650+ for expansions of an existing concept |
| Time in business | 2+ years operating; startups aren't eligible |
| Collateral | The equipment you're buying |
| Paperwork | Application, equipment invoice, 3 months of bank statements |
| How fast | Decisions often come in one to three business days. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for restaurant equipment financing — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04Voided business checkbank
- 05Most recent business tax returntax
- 06Equipment invoice / quoteequipment
Industries we see use it most
Where restaurant equipment financing is one of the best-fit options for how the business earns.
Compare related options
Not sure this is the one? These are the structures owners most often weigh against it.
