Equipment financing is standard practice in the restaurant industry for good reason. Most operators—from independent restaurants to national chains—finance their kitchen equipment rather than paying cash upfront. This approach preserves working capital for daily operations while allowing businesses to acquire the high-performance equipment they need to remain competitive.
Cash flow is the lifeblood of restaurant operations. Financing spreads equipment costs into predictable monthly payments, keeping your capital available for inventory, payroll, marketing, and unexpected expenses. This is why most restaurant operators choose to finance equipment purchases regardless of their cash position.
IRS Section 179 allows businesses to deduct the full purchase price of qualifying equipment in the year of acquisition—even when financed. For 2025, the deduction limit is $1,220,000. This means you can write off the entire cost while making smaller monthly payments, significantly reducing your effective purchase price.
MHFryer's built-in filtration system typically reduces oil costs by 30% or more. For high-volume operations, these monthly savings often cover a substantial portion of the equipment payment. You're essentially upgrading your equipment while your current oil waste pays for it.
Unlike variable operating costs, financing locks in a fixed monthly payment for the term. This predictability makes budgeting easier and protects you from inflation. Your payment stays the same even as equipment prices and costs continue to rise.
Equipment financing doesn't impact your existing credit lines with banks or suppliers. Keep those relationships intact for other business needs while still acquiring essential equipment. Most equipment financing is structured as a separate agreement secured by the equipment itself.
Equipment financing typically has simpler approval requirements than traditional business loans. Because the equipment serves as collateral, lenders can often provide faster decisions and more favorable terms than unsecured financing options.