Cafe and commercial kitchen finance
Espresso machines, combi-ovens, refrigeration, cold rooms and POS — financed so your cash stays free for stock, wages and fit-out.
Hospitality is capital-hungry, and paying cash for stainless steel and espresso gear drains the working capital you need for the first lean months. Financing on a chattel mortgage treats your kitchen as the revenue-generating asset it is, and keeps cash in the till.
Who it's for
Cafe owners, restaurateurs, bars, caterers and franchisees.
Ovens, cold storage and the whole fit-out
From a single combi-oven or dishwasher to a complete kitchen and front-of-house fit-out, we can usually package the assets into one facility with a single repayment — simpler to budget, and easier on cash flow in your opening months. Espresso machines, grinders, refrigeration, cold rooms, prep benches and POS can all sit in the one chattel mortgage.
A balloon keeps cash in the till while you build trade
Hospitality is unforgiving in the opening months while you build regulars and dial in the menu. A balloon (residual) — commonly around 30% — lowers the monthly repayment and keeps working capital free for stock, wages and rent during the ramp-up. At the end of the term you refinance the balloon, pay it out, or upgrade the gear.
Keep cash for stock, wages and the lean weeks
Even if you could pay cash for the stainless steel, draining your reserves at fit-out is what catches a lot of new venues out. Financing the equipment treats your kitchen as the revenue-generating asset it is and leaves cash on hand for the things you can't predict — a slow opening, a fridge that fails, a rent review.
New, used or an existing venue's equipment
New equipment from a supplier is the most straightforward, but plenty of good hospitality gear is bought used or as part of taking over an existing venue. Used equipment and private sales are financeable too — they just need a quick check on the asset and a title (PPSR) check, which we handle.
Own the equipment, claim the GST and depreciation
On a chattel mortgage your business owns the kitchen from day one, so you can generally claim the GST input tax credit on the purchase and depreciate the equipment over time. The instant asset write-off may apply to some items — confirm the current rules and your eligibility with your accountant.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Yes. Multiple assets across different brands can usually be combined into a single chattel mortgage facility, so you have one repayment rather than a dozen. We'll structure it around your opening cash flow.
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Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.