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CW Asset Finance | Vehicle & Equipment Finance Yorkshire

Asset Finance · Yorkshire

Catering Equipment & Hospitality Finance

Commercial kitchens, coffee machines, EPOS and full front-of-house fit-outs — funded so the refit does not eat the season’s cash.

  • Whole-of-market — 60+ lenders searched
  • All credit histories considered
  • Decisions in as little as 24 hours
Get a quoteCall 0333 772 4864

Whole-of-market — 60+ lenders searched, including

BarclaysAldermoreParagonAllica BankPraetura Asset FinanceSimply Asset FinanceOxburyBraemar FinanceBibby Financial ServicesBPCE Equipment SolutionsCatfoss FinanceDavenham Asset FinanceFleximizeiwocaKingsway Asset FinanceLombardMetro BankBNP ParibasBarclaysAldermoreParagonAllica BankPraetura Asset FinanceSimply Asset FinanceOxburyBraemar FinanceBibby Financial ServicesBPCE Equipment SolutionsCatfoss FinanceDavenham Asset FinanceFleximizeiwocaKingsway Asset FinanceLombardMetro BankBNP Paribas

Catering equipment finance spreads the cost of a kitchen or fit-out across the years it serves customers. Whether it is a single combi oven, a commercial kitchen refit, a coffee machine for a new site or a full EPOS rollout, we search 60+ UK lenders so the refit does not consume a season’s working capital.

What you can fund

Every asset has its own page: how lenders treat it, what buyers specify, the questions people ask, and what we have actually funded.

AssetWhat it coversPage
Combi ovenA combi is the busiest box in most kitchens, so it is funded over the years…Read the guide
Convection ovenFan ovens do the bulk of the baking and regeneration in a busy kitchen, and they…Read the guide
Pizza ovenWhether it is a rotating wood-fired dome or a stacked electric deck, the oven is the…Read the guide
Deck ovenDeck ovens are the heart of a craft bakery and the single biggest line on the…Read the guide
Commercial rangeA cookline is bought once a decade and lived with every single day, so it is…Read the guide
Induction hobKitchens moving off gas want induction for the heat, the speed and the electricity bill, and…Read the guide
Deep fat fryerFryers earn their keep faster than almost anything in a kitchen, and they are also the…Read the guide
ChargrillA charcoal oven changes what a menu can charge for, which is why so many restaurants…Read the guide
Salamander grillA salamander is too small to be worth an agreement on its own, and too useful…Read the guide
Extraction canopyNobody opens a restaurant because they wanted a canopy, but no kitchen opens without one, and…Read the guide
Walk-in fridgeA cold room is the difference between buying well and buying weekly, and it is one…Read the guide
Walk-in freezerFreezer rooms are bought by operators who have run out of space in the middle of…Read the guide
Blast chillerBlast chillers are bought for food safety and kept for the margin, because cooking ahead safely…Read the guide
Display fridgeA display chiller is a shop fitting that sells things, which is why the cafes that…Read the guide
Cellar coolingCellar cooling is invisible until it fails, and then it costs you a weekend of trade…Read the guide
Ice machineBars run out of ice on exactly the nights they can least afford to, and most…Read the guide
Commercial dishwasherWarewash is the part of the kitchen nobody photographs and everybody depends on, and a failed…Read the guide
GlasswasherClean, clear glassware sells more drinks than any promotion, and the machine that delivers it is…Read the guide
Espresso machineA traditional espresso machine is the most profitable square metre in any cafe, and one of…Read the guide
Coffee grinderThe grinder does more for the cup than the machine does, which is why serious bars…Read the guide
Bean-to-cup machineBean-to-cup earns its place wherever the coffee has to be good without a trained barista standing…Read the guide
EPOS systemA till is no longer a till, and replacing one now means terminals, handhelds, printers, a…Read the guide
Kitchen display systemPaper tickets fall off rails and get lost in the weeds, and kitchens running delivery alongside…Read the guide
Catering trailerA catering trailer is a restaurant you can tow to where the customers already are, and…Read the guide
Food truckA food truck is two purchases pretending to be one: a commercial vehicle with a V5,…Read the guide
Mobile barWeddings and festivals need a bar that arrives on a tow bar, and the operators who…Read the guide
Bar fit-outA refurbishment is bought on the promise of better spend per head, and the whole point…Read the guide
Restaurant furnitureSeating decides how many covers a room holds and how long people stay in it, and…Read the guide
Hotel FF&EBedroom refurbishment is the one investment a hotel cannot defer forever, because rate is set by…Read the guide
Vacuum packerA chamber vacuum packer extends shelf life, cuts waste and makes sous vide possible, which is…Read the guide

Why hospitality funds equipment rather than buying it

Hospitality is seasonal, margin-tight and equipment-heavy. A commercial kitchen refit can absorb a year of profit in a fortnight, and it usually has to happen in the quiet period when cash is at its lowest. Funding moves that cost into the trading months the new kitchen actually serves.

Commercial kitchen finance

Commercial kitchen finance covers combi ovens, ranges, fryers, extraction, refrigeration, dishwash and stainless fabrication. A full kitchen is usually funded as one facility rather than by supplier, which is simpler to manage and avoids several agreements running to different end dates.

Coffee machine finance

Coffee machine finance is one of the most common requests we see, because a commercial espresso machine and grinder is a serious capital item with a very fast payback. For cafés and coffee shops the monthly cost is often covered by a handful of covers a day.

EPOS and front of house

EPOS finance funds tills, terminals, handhelds, kitchen display and integration. It is usually part of a wider fit-out, and funding the front and back of house together is generally cheaper than splitting them.

Catering trailers and food trucks

Catering trailer finance and food truck funding cover the unit, the conversion and the equipment inside it. Because these are mobile, identifiable assets with a strong resale market, they fund more like a vehicle than a fit-out — often on longer terms than kitchen equipment.

Bars, hotels and clubhouses

Bar equipment, cellar cooling, glasswash, furniture and hotel FF&E all fund on the same basis. If you are refitting a venue rather than replacing one machine, send the full specification — a package almost always funds better than a series of separate agreements.

How it works

1

Tell us what you need

One quick conversation about the asset and how the repayments need to work.

2

We search 60+ lenders

As an independent broker we find the right structure and rate — not one lender’s products.

3

You get funded

Indicative decisions in as little as 24 hours, then we manage it through to payout.

Estimate your repayments

Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.

£25,000
48 months
0% · £0

Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.

Estimated monthly payment
£646
over 48 months
Amount financed£25,000
Total repayable£31,000
Cost of finance£6,000
Equivalent APR11.5%
Get my exact rate

Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and will receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.

Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.

Frequently asked questions

Can I finance catering equipment?
Yes. Catering equipment finance covers ovens, ranges, refrigeration, extraction, dishwash and full commercial kitchen fit-outs, spread over the years the kitchen serves customers rather than paid up front.
Can I finance a commercial coffee machine?
Yes, and it is one of our most common hospitality requests. A commercial espresso machine and grinder is a significant capital item with a fast payback, so the monthly cost is often covered by a handful of covers a day.
Can a new restaurant or café get equipment finance?
Often yes, though a new venue without trading history narrows the lender list. A deposit, a director’s guarantee or an existing site all help. We will tell you honestly what is realistic before applying.
Can I fund a whole kitchen refit as one agreement?
Yes, and it is usually better than funding by supplier. One facility avoids several agreements running to different end dates and generally attracts better terms.
Do you finance catering trailers and food trucks?
Yes — the unit, the conversion and the equipment inside it. Because they are mobile, identifiable assets with a strong resale market, they often fund on longer terms than fixed kitchen equipment.
Can I finance used catering equipment?
Yes, subject to age and condition. Refurbished commercial kitchen equipment is commonly funded where there is a clear service history.
Do you cover my area?
Yes — CW Asset Finance is based in Tadcaster and works with clients Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire, as well as nationwide.

Get your quote

Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.

Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.

Machines we fund

284 machines named across 30 types of Catering & hospitality. This is not a restricted list — it is what we are asked for most often. If the machine you are buying is not here it almost certainly still funds: your supplier quote is what the agreement is written against.

Combi oven finance9
Convection oven finance10
Pizza oven finance10
Deck oven finance9
Commercial range finance10
Induction hob finance9
Deep fat fryer finance10
Chargrill finance9
Salamander grill finance8
Extraction canopy finance9
Walk-in fridge finance9
Walk-in freezer finance9
Blast chiller finance10
Display fridge finance10
Cellar cooling finance9
Ice machine finance10
Commercial dishwasher finance10
Glasswasher finance8
Espresso machine finance10
Coffee grinder finance10
Bean-to-cup machine finance10
EPOS system finance10
Kitchen display system finance9
Catering trailer finance10
Food truck finance10
Mobile bar finance10
Bar fit-out finance9
Restaurant furniture finance9
Hotel FF&E finance9
Vacuum packer finance10