Yes. Commercial catering equipment such as combi ovens, ranges, fryers, dishwashers, refrigeration, cold rooms, extraction, coffee machines and food prep equipment can be funded through hire purchase or leasing. Freestanding, branded equipment that can be removed and resold is the most straightforward for a lender.
Hospitality carries a reputation for volatility, so lenders tend to look closely at trading history, seasonality and whether the site is established. New openings are harder than expansions, and a first-site start-up may need a bigger deposit, a personal guarantee, or both. Some funders decline the sector outright, which is where having a broad panel helps.
The split between equipment and installation matters. Stainless steel fabrication, extraction ducting, gas and electrical work and tiling are usually treated as fit-out costs rather than equipment, and may not be fundable on the same agreement.
Spreading the cost keeps working capital for stock and staff, but the payments run through quiet months as well as busy ones. If you cannot pay, the equipment can be recovered and the kitchen stops. Decisions rest with the lender.
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