Equip your kitchen without the upfront cost
Commercial kitchen equipment is expensive — a single combi oven can cost $20K+, and a full kitchen buildout can exceed $200K. Equipment failures do not wait for convenient timing, and upgrading to energy-efficient or higher-capacity machines can meaningfully improve your margins and throughput. Bay Street Lending helps restaurant operators, caterers, and food service businesses finance the equipment they need to serve their customers. The equipment itself typically serves as collateral, which streamlines approval and lets you invest in the kitchen infrastructure your operation demands without a massive upfront cash outlay.
Walk-in coolers ($10K+), commercial ranges ($5K–$30K), combi ovens ($15K–$40K) — costs add up fast.
When critical equipment breaks, you need replacement immediately. Financing makes emergency purchases possible.
Upgrading to energy-efficient or higher-capacity equipment improves margins but requires capital investment.
Yes. Used and refurbished commercial kitchen equipment can be financed. The equipment should be in good working condition.
All major commercial kitchen brands: Hobart, Vulcan, True, Rational, Alto-Shaam, Garland, and others.
Yes. Many operators finance a complete kitchen package as a single loan, which can simplify payments and sometimes improve terms.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.