Restaurant Startup Equipment Financing in Arizona: Commercial Kitchens, Ovens & POS

Opening a restaurant is one of the most equipment-intensive business ventures you can undertake. A single commercial kitchen buildout can require $50,000 to $200,000 in equipment — ovens, refrigeration, prep tables, fryers, dishwashers, POS systems, and more. For new restaurant owners in Arizona, equipment financing is the most practical way to get open without depleting your working capital.

Phoenix Equipment Finance works with new restaurant owners across the Phoenix metro to finance commercial kitchen equipment, even in the first year of operation.

Restaurant Equipment We Finance for Startups

Commercial Kitchen Equipment

• Commercial ovens and ranges ($5,000 – $30,000)
• Walk-in coolers and freezers ($8,000 – $40,000)
• Reach-in refrigeration units ($2,000 – $15,000)
• Commercial dishwashers ($5,000 – $25,000)
• Deep fryers and flat-top grills ($3,000 – $20,000)
• Prep tables and steam tables ($2,000 – $15,000)
• Commercial mixers and slicers ($2,000 – $10,000)

Front-of-House Equipment

• POS systems and tablets ($3,000 – $20,000)
• Bar equipment and draft systems ($5,000 – $30,000)
• Display cases and warming equipment ($2,000 – $15,000)

Complete Kitchen Packages

For full restaurant buildouts, we can finance the entire equipment package as a single transaction — often $50,000 to $150,000 — with one monthly payment.

Startup Restaurant Financing Requirements

| Factor | What Lenders Look For |

|---|---|

| Personal credit | 580+ for most programs; 620+ for best rates |

| Time in business | 0–24 months qualifies for startup programs |

| Down payment | 10–20% depending on credit and amount |

| Business plan | Helpful for amounts over $75,000 |

| Location lease | Signed lease strengthens the application |

Why Restaurant Equipment Financing Makes Sense

Tying up $100,000 in cash to buy kitchen equipment means you have no working capital for food inventory, staffing, marketing, and the inevitable surprises of opening week. Equipment financing lets you spread that cost over 24–60 months, keeping cash in your business where it belongs.

Monthly payments on a $75,000 kitchen package over 48 months typically run $1,800–$2,200 — far less than the revenue a properly equipped kitchen generates.

Section 179 Tax Advantage for New Restaurants

Restaurant equipment qualifies for Section 179 deductions. A new Arizona restaurant that finances $80,000 in kitchen equipment in 2025 can potentially deduct the full amount in year one, significantly reducing taxable income.

Apply for Restaurant Equipment Financing

Serving new restaurant owners across Phoenix, Mesa, Chandler, Scottsdale, Tempe, Gilbert, Peoria, and all of Arizona.

Apply at https://phoenixequipmentfinance.com/apply or email [email protected] with your equipment list.