What credit score is required?

Most lenders look for 600 or higher. 680+ for best rates.

Is leasing better than buying prep equipment?

Leasing offers lower monthly payments. Buying builds equity.

Prep Equipment Financing | Loans & Leases

Q: Can you finance used prep equipment?

Yes. Many lenders finance used prep tables, mixers, and slicers when in good condition.

Prep Equipment Financing at a Glance

$2K–$30K+Typical range

24–48 hrEquipment approval

36–60 moTerms

0–20%Down payment

600+Credit (typical)

50 statesNationwide

Why Prep Equipment Financing Makes Sense for Restaurants

Restaurant prep equipment includes prep tables (refrigerated and non-refrigerated), planetary mixers, vertical cutter mixers, meat slicers, food processors, and food prep tools. Equipment supports daily operations across cuisine types. Brands like Hobart, Robot Coupe, Bizerba, True, and Globe.

Often bundled with commercial kitchen or refrigeration. Low to moderate ticket; quick approval. New locations and kitchen remodels drive demand. Vendor programs may offer promotional terms. Apply now for restaurant equipment financing. See restaurants business financing.

Apply for Prep Equipment Financing

Prep tables, mixers, and food preparation equipment

What Is Restaurant Prep Equipment?

Prep tables, planetary mixers, vertical cutter mixers, meat slicers, food processors, food prep tools. Equipment supports daily operations. Brands like Hobart, Robot Coupe, Bizerba, True, Globe. Essential for restaurants.

Why Prep Equipment Financing Is Different

Often bundled with commercial kitchen or refrigeration. Low to moderate ticket; quick approval. New locations and kitchen remodels drive demand. Vendor programs may offer promotional terms. Approval typically 1–5 days.

Prep Equipment Financing Options

Equipment Loans

0–20% down, 36–60 months. Rates 6–15%.

Equipment Leasing

Lower payments. Loan vs lease.

SBA Loans

View SBA. Bundling with kitchen may improve terms.

See What You Qualify For

How Much Does Prep Equipment Cost?

Prep tables $500–$5,000+. Planetary mixers $2,000–$15,000+. VCM $5,000–$20,000+. Meat slicers $500–$5,000. Food processors $500–$5,000. Full packages can exceed $30,000. Used typically 20–35% less. Many lenders finance used. Obtain vendor quote.

Estimate Payments

Rates and Monthly Payments

Rates 6–15%. Terms 36–60 months. Calculator. Down payment 0–20%.

Requirements to Finance Prep Equipment

Requirement	Typical Range
Credit score	600+ (680+ for best rates)
Down payment	0–20%
Time in business	1–2+ years (startups may qualify)
Revenue	Proof of business income
Equipment quote	Written quote from vendor

Credit. What lenders look at.

What to Have Ready

3–6 months bank statements, tax returns, P&L, equipment quote, business formation documents.

When to Apply

Apply when you have clear need, written quote, and financials. Axiant Partners—submit once, offers in 24–48 hours.

Tips to Get Approved

Improve credit; provide strong revenue docs.
Consider used equipment to reduce loan amount.
Bundle with kitchen or refrigeration.
Work with a broker—Axiant connects you with multiple lenders.

Common Mistakes to Avoid

Skipping the quote; incomplete financials; focusing on rate alone; waiting until last minute.

Red flags.

Why Restaurants Finance Prep Equipment Rather Than Pay Cash

Financing preserves working capital. Tax benefits—Section 179, bonus depreciation, lease payments as operating expenses.

Choosing the Right Prep Equipment for Your Kitchen

Before applying for prep equipment financing, clarify your menu, volume, and prep workflow. Mixers, slicers, food processors, prep tables, reach-ins, and work surfaces range from $1K to $30K+ depending on capacity. Brands like Hobart, Robot Coupe, Blendtec, Bizerba, and True are common. Get written quotes with make, model, and pricing. Compare new vs used—many lenders finance used prep equipment when condition is documented. Bundle with kitchen equipment, refrigeration, or warewashing for better terms. Use our financing calculator to estimate payments.

Documents That Speed Up Prep Equipment Approval

Have ready: bank statements (3–6 months), tax returns, P&L, and a quote listing mixers, slicers, prep tables, or processors—each with make, model, and price. Formation docs and proof of time in business round it out. Lenders focus on credit, revenue, and the equipment. Most complete applications get a response within 24–48 hours.

Prep Equipment: Tax Benefits and When Restaurants Finance

Prep tables, mixers, slicers, and food processors qualify for Section 179 and bonus depreciation; lease payments are typically deductible. See our equipment financing overview for more. New kitchens and capacity expansions are costly—financing keeps capital free for payroll and food costs. Leasing vs loans depends on your cash flow and upgrade plans.

How the Financing Process Works

Approval takes 1–5 business days.

01

Get a Quote & Apply

Get vendor quote. One application.

02

We Match You

Programs fit your prep equipment purchase.

03

Review

24–48 hours for many.

04

Funding

Sign. Funds to vendor.

Apply for Prep Equipment Financing

Related Restaurant Equipment

Prep Equipment Financing FAQ

Can you finance used prep equipment?

Yes. Many lenders finance used prep tables, mixers, slicers in good condition.

Can you bundle prep with other kitchen equipment?

Yes. Bundling prep tables, mixers, slicers with ranges or refrigeration may improve terms and simplify one application.

How long does approval take?

1–5 days for equipment. SBA 30–60+ days.

Is leasing better than buying?

Leasing offers lower payments. Buying builds equity. Loan vs lease.

What documents are needed?

Typical: 3–6 months bank statements, tax returns, P&L, equipment quote.

Prep Equipment Financing: Equipment Loans, Leases & SBA Programs