We Are Your Restaurant Finance Experts

Financing can help you stock your kitchen for success

We Are Your Restaurant Finance Experts

Financing can help you stock your kitchen for success

If You Sell Equipment, We Want to Help You Finance It

There is no cost to join our Vendor Program, and the benefits are clear. Our team makes offering lease financing easy and effective.

Why Choose TimePayment?

Increase Sales With Financing

Our finance programs are designed to empower businesses of all sizes and strengths, including new entities. We can help the customers other financial institutions refuse, with transactions starting as low as $500.*

Close Faster & Get Paid Faster

For transactions above $25K, you will receive a credit decision within 4 hours. Same-day funding is available; receive your payment after transaction closure.*

Approve More Businesses

TimePayment has programs for a wide range of business and ownership backgrounds—from pop-ups and mom-and-pop shops to decades-old, multi-location eateries. We can even help businesses with challenged credit.*

  • Fast funding, ACH available
  • Commercial transactions from $500–$1.5MM+
  • Instant credit decisions up to $25K
  • Personal guarantee & corp-only applications accepted

Experts in the Restaurant, Bar & Food Industry

In an environment where most financing companies shy away from restaurants and bars, TimePayment has a long-time commitment to your industry.

*Some exclusions apply.

Equipment We Can Finance

Bar & Beverage

Commercial Blenders
Coffee & Tea Brewers
Espresso Machines
Draft Beer Dispensing Systems
Drink Fountains & Soda Guns
Underbar Ice Bins/Cocktail Units
Hot Water Dispensers
Beverage Coolers
Water Filtration Systems
Nitrogen Beer Tap Systems

Cooking Tools

Commercial Ovens
Griddles & Grills
Deep Fryers & Fryolators
Panini Presses & Toasters
Crepe Machines & Waffle Irons
Commercial Microwaves
Ranges & Range Hoods
Rotisserie Ovens
Charbroilers & Smokers

Refrigeration & Storage

Ice Machines
Walk-In Freezers
Chest Freezers
Walk-In Coolers & Lockers
Reach-In Refrigerators
Coolers & Glass Frosters
Wine Storage Chillers

Other Restaurant Needs

Point of Sale Systems
MICROS Systems
Restaurant Furniture
Lighting Fixtures
Accounting & Payroll Software
Televisions & Audio Systems
Restroom Vending Machines
Hand Dryers & Laundry Machines
Cleaning Equipment

And More…

Benefits for You & Your Customers

Increase Sales Faster with Equipment Lease Financing

TimePayment makes your equipment easier to buy. Our innovative tools integrate simply into your website and sales processes so you can sell more, faster.

Build Credit

Your customers can establish and build business and personal credit.

Deferred Payments

Your customers can generate revenue from their new equipment while it pays for itself.

Potential Tax Deductions

Your customers’ business equipment purchases could be tax deductible. Customers are encouraged to talk to their tax professional.

Keep Cash on Hand

Your customers can keep their cash on hand for essential business needs.

Technology For Every Platform

Ready to Get Started?

With rapid credit decisions, a clear online process, and comprehensive funding within hours, we have programs that can support your customers.

What We Hear From Customers


“The salespeople say my equipment purchases are too small for financing, so I usually have to use cash or credit cards for equipment under $10,000.”

TimePayment has equipment financing programs that start at $500 and can grow to fit your customer’s needs. When your buyers use cash and credit cards, they are using up money that could go to operating expenses, and it limits what they can purchase. If you help them acquire equipment with affordable monthly payments, they can buy more, afford higher-end equipment, and are more likely to be a repeat customer. Give your customers the option to buy now and afford the equipment they need by contacting TimePayment.

“Financing companies are not able to meet the needs of the $20,000 Furniture, Fixtures, and Equipment (FF&E) for restaurants. Banks think that deal size is beneath them… We lose business because we can’t offer financing on 70% or more of our invoices.”

It can seem like banks and other financing companies ignore many of the FF&E deals for the restaurant industry, especially when the average deal size is below $20,000. Not TimePayment. We want your business, we have financing programs that start at $500, and we can help you find a way to finance most of the equipment you need.


Contact Us: Restaurant & Franchise Vendor Support

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