Finance lease · Cafés and hospitality
Finance lease for cafés and hospitality
Cafés, restaurants and bars take payments daily, so finance with daily or weekly repayments and equipment finance for fit-outs and kitchen gear tend to fit best.
How a finance lease works for cafés and hospitality
Fit-outs and equipment that will be refreshed in a few years often suit a finance lease, keeping payments deductible and the end-of-term decision open.
The cash-flow pattern we plan around
A café takes payments each day, with strong weekends and quieter mid-week trade.
What cafés and hospitality typically fund
- Fit-out and refurbishment
- Coffee machines, ovens and cool rooms
- Stock and seasonal staffing
Finance lease for cafés and hospitality: the numbers
| Typical amounts | $10,000 – $1,000,000 |
|---|---|
| Term | 12–60 months |
| Indicative rates | 7.2% – 14.9% p.a. |
| Repayments | Monthly |
| Speed | 1–3 business days |
| Documents cafés and hospitality usually need | ABN · 6 months of bank statements · Merchant statements |
Rates are indicative, change without notice and depend on the lender, product, asset, term and your credit profile at the time of application. They are not an offer of finance. Comparison rates, where shown, are true only for the example given.
Key terms
Hospitality business finance
Hospitality business finance is lending sized to daily card takings, commonly structured as daily-repayment unsecured loans, equipment finance for kitchen assets and lease finance for fit-outs.
What is a finance lease?
A finance lease is a rental agreement for business equipment where the financier retains ownership for the term. The lessee makes fixed payments and is responsible for the residual value at the end.
Questions from cafés and hospitality
How quickly can I access funding?
Timing depends on the lender, your application and the documents available. Tell us your deadline so we can explain the likely timing and what is needed to move forward. Funding is subject to lender approval and completion of any conditions.
What finance suits a café or restaurant with daily takings?
Unsecured business loans and merchant cash advances with daily or weekly repayments match the way hospitality trades, and equipment finance funds the kitchen, coffee machine and fit-out at a sharper rate over a longer term. Lenders assess card takings in the bank statements, so a venue with steady daily sales is often approved within a day or two.
Can a new venue finance its kitchen and fit-out?
Yes, with the right lender. New venues are approved with a deposit, a signed lease, hospitality experience, a business plan and a clean personal credit file, and equipment from major brands is easier to finance than bespoke items. Established operators opening a second venue qualify on trading history.
How do hospitality businesses fund a quiet season or a renovation closure?
A line of credit drawn as needed and repaid when trade returns is the cheapest option, and a short-term unsecured loan with a repayment holiday covers a planned closure for renovation. Applying while trade is strong gets the best terms, so plan the facility before the quiet season rather than during it.
What do lenders look for in a hospitality business?
Consistent daily card takings, the lease term, gross margin, wage costs, tax up to date and a clean credit file. Lenders know hospitality is competitive, so a broker who presents the numbers clearly and matches the lender to your trading pattern makes a real difference to approval and pricing.