Restaurant Equipment Financing

Financial tools from TimePayment help you stock your kitchen for success

Restaurant Finance Expertise Matters

man and woman working in a restaurant kitchen

Are you having trouble getting financing for your customers?

We finance all types of restaurant equipment, with deal sizes starting at $500, so we can support sales to your customers and help them get equipment with affordable monthly payments.

Do you need a financing partner that can approve more of your customers?

We can approve all types of commercial borrowers from well-established restaurant service departments to independent repair shops. Also, we work with all types of credit, including startups and even those with challenging credit backgrounds, to help sell your equipment.

Are you tired of dealing with financing people that don’t understand your equipment or customer?

At TimePayment, you work with account people that understand the restaurant repair industry. We can quickly process your customer’s financing requests and fund the transaction, often on the same day.

Typical Comments We Hear From Restaurant Equipment Suppliers:

“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 and apparently, the restaurant owner too. We lose business because we can’t offer financing on 70% or more of our invoices.”

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

There Are High Demands for New Equipment, Furnishings, and Technology

Restaurant industry growth by year

  • Boutique restaurant growth in locations with Quick Service Restaurants (QSR), Fast Casual and fine dining is driving near record new restaurant openings across the country.
  • Investments in equipment, technology and other fixed assets for Restaurants has increased by 600% since 2004 and approached $800 billion in annual spending in 2017.
  • The average margin for a new commercial kitchen install for vendors is up nearly 30% in the last five years.It doesn’t matter if your customers are a multi-unit franchise or a boutique startup, busy owners are caught between the financial limitations of investing in new assets and not being able to afford the downtime of aging equipment or dealing with second-class customer experiences. And your sales hang in the balance.

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Typical Comments We Hear From Restaurant Equipment Suppliers:

“If we could find a financial partner that helps us build payment plans for our solutions and products, and helps us learn to sell it that way, I think we’d both win. But no finance provider would ever do that”

From Kitchen equipment to Point of Sale (POS), signage, audiovisual and everything in between, TimePayment has a dedicated team of financing specialists that support Restaurant Equipment Suppliers. You can count on us to offer affordable monthly payments that are delivered with speed, reliability, and innovative technology tools—filling the void in the market and helping you drive more sales.

chef in restaurant kitchen

Restaurant equipment, technology and fixtures. Faster.

Whether your operation is a local turn-key design and showroom or a national online seller, TimePayment makes your equipment easier to buy. With innovative tools that easily integrate into your website and sales process, we can help your customers see a simple monthly payment, confidently take action and you can sell more…faster.

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Why Choose TimePayment?

Committed to Financing for the Restaurants and Bar Industry
In an environment where most financing companies shy away from restaurants and bars, TimePayment has a long-time commitment to the industry

Never let time kill your deal again
From credit decisions in seconds to fast funding, we give you the tools to quickly turn shoppers into buyers and get the deal off the street.

Easier to Sell
Whether an online quote tool or marketing support, TimePayment gives your sales team the education, resources and innovative technology tools to close deals.

Reaching beyond kitchen equipment
TimePayment offers turn-key financing from cooktops to cake pans and pictures to point of sale. Additionally, by providing financing for installation, delivery, design and even assets beyond what your company sells, you can make it easier for your customers to choose your company over the competition.

Help more potential customers
From startups to decades-old, multi-location eateries and strong credit backgrounds to those that have had more challenging times, TimePayment can help a wide range of business and ownership backgrounds.

Let them keep their cash
TimePayment financing allows customers to preserve their cash and primary banking relationships for things like payroll and inventory, rather than investing in depreciating assets. By lessening the cash required to make a deal happen, you remove the largest obstacle to closing more business.

Whether an online quote tool or marketing support, TimePayment gives your sales team the education, resources and innovative technology tools to close deals.

Become a Vendor


TimePayment can solve many of your customer’s pain points:

“The salespeople say my equipment purchases are too small for financing so 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 can be used for 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.

Equipment Financed

  • 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 & Food Storage
  • Ice Machines
  • Walk-In Freezers
  • Chest Freezers
  • Walk-In Coolers & Lockers
  • Reach-In Refrigerators
  • Coolers & Glass Frosters
  • Wine Storage Chillers
  • Humidors
  • Other Restaurant Needs
  • Point of Sale Systems
  • Signage
  • MICROS Systems
  • Restaurant Furniture
  • Lighting Fixtures
  • Accounting & Payroll Software
  • Televisions & Audio Systems
  • Restroom Vending Machines
  • Hand Dryers & Laundry Machines
  • Cleaning Equipment
    • Entire Restaurant Equipment Financing Package

Are customer financial issues standing in the way of your sales growth? Join our vendor program today.

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