Fryers earn their keep faster than almost anything in a kitchen, and they are also the unit most likely to fail on the busiest night of the year.
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Yes. Commercial fryers are funded as hard assets, usually on hire purchase, and high-value equipment such as a Henny Penny pressure fryer or a multi-vat Frymaster is straightforward for most funders. Used fryers from trade dealers are fundable. The issue is scale rather than acceptability: a single countertop fryer is usually below the minimum facility a funder will write, so it goes onto a schedule with the rest of the kitchen order. Oil filtration and oil management systems are fundable when they are part of the fryer, less so when they are a standalone installation.
Used kit: Yes — refurbished fryers and reconditioned frying ranges are routinely funded, generally where a dealer has replaced the elements and thermostats and can warrant the unit.
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Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 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 may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
Fryers are among the more recoverable pieces of catering equipment: recognised brands, serial numbers, and a genuine second-hand trade through dealers, particularly for pressure fryers and chip shop ranges which hold value well. Funders still price hospitality cautiously, so the application rests on the operator — how long the shop has traded, the filed accounts, the state of the bank statements. Takeaways and quick-service sites are sometimes viewed as higher risk than restaurants because turnover is cash-heavy and margins are thin, which makes clean, bankable records especially important. New-starts are difficult. Ventilation, interlocks, fire suppression and ducting are installation costs rather than assets, and although they are essential, they usually sit outside the equipment agreement.
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Valentine EVO 2200 | Twin-pan countertop electric fryer |
| Valentine countertop fryers | Compact fryers for small kitchens |
| Henny Penny Evolution Elite | Open-pot fryer with oil management |
| Henny Penny PFE-500 | Electric pressure fryer for chicken shops |
| Falcon Dominator Plus twin-pan fryer | Heavy-duty floor-standing fryer for suites |
| Lincat Opus 800 fryer | Modular twin-tank fryer for suites |
| Frymaster open-pot fryers | Gas and electric floor fryers |
| Pitco Solstice fryers | High-efficiency gas floor fryers |
| Blue Seal Evolution fryer | Gas floor-standing fryer with baskets |
| Buffalo countertop fryers | Compact single-tank electric fryers |
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Fish and chip shops replacing a frying range, fried chicken and burger operators where the fryer is the entire kitchen, pubs and hotels renewing a tired cookline, and mobile operators fitting out a trailer. The trigger is usually a failure or an insurance inspection, because worn fryers are a fire and burns risk, or a menu change that needs more vats than the current unit has. Franchisees often buy to a specification the franchisor sets.
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Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Yes, and frying ranges are among the better catering assets to fund. They are substantial, expensive, branded and genuinely resaleable through specialist dealers, which gives a funder real comfort. Shops with several years of filed accounts usually find these straightforward. Ventilation and ducting work will normally be quoted and paid for separately from the range itself.
Usually not on the equipment agreement. Ansul-type suppression is installed into the canopy above the fryer and becomes part of the building, so there is nothing to recover. Insurers increasingly require it, so budget it as a cash cost or fund it separately. Where the fryer package is large, a few funders will absorb it as a soft cost.
Yes, though it is normally funded as part of the trailer rather than on its own. A road-legal unit with a chassis number is far easier for a funder to value and recover than loose equipment, so put the fryer, the gas installation and the conversion on one invoice from the converter and fund the whole thing together.
Built-in filtration inside the fryer does, because it is part of the serial-numbered unit. A separate mobile filtration trolley is usually fine too. A fixed bulk oil handling installation with pipework to a tank is closer to an installation than an asset, and how it is treated depends on the funder and the size of the rest of the order.
Not a bar to funding, but it shapes what you will be asked for. Underwriters want to see the turnover landing in the business bank account and reconciling with the VAT returns and accounts. If most trade is cash and takings are banked irregularly, expect more questions and have the last few months of statements and returns ready.
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
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