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Why Finance Your Food Service Operations?

Budget-Friendly Solutions

Embrace financial flexibility. Our financing options are designed to enhance your cash flow while keeping your budget on track. It's about financial health and the freedom to grow.

Upgrade Today, Pay Tomorrow

Step into the future with cutting-edge equipment. Secure the latest culinary tools now and pay as you earn. Keep your kitchen modern and efficient, staying ahead in the competitive food service industry.

Keep Cash Reserves Intact

Financial savvy at its best. Opt for financing with us and safeguard your credit lines and cash for other business ventures or unexpected needs. It's about having resources ready when you need them most.

Simplified Financing, No Bank Hassles

Skip the bank queue. Our streamlined financing process is more accessible and less cumbersome than traditional bank loans. Experience a hassle-free way to fund your restaurant's needs.

Partner-Driven Low Interest Rates

Benefit from our partners' competitive rates. We've teamed up with financial partners who offer low interest rates, ensuring your financing is as cost-effective as possible. It's an excellent opportunity to invest in your business while keeping costs low.

Smart Tax Management

Enhance your financial strategy. Benefit from possible tax advantages, like deducting your investment in restaurant equipment*. Smart financing can be a game changer for your annual budget.

Choose From Any Of Our Lending Partners

Lender Financing Limit Key Benefits Apply
Up to $17,500
  • Pay at your own pace with Affirm.
  • Affirm tells you up front the total amount you’ll pay. That number will never go up.
  • You choose the payment schedule that works for you.
  • Choose 3, 6, 12, 18, and 24 monthly payments.¹
  • Fill your cart > Choose how you pay > Pay over time.
  • Affirm won’t charge you late fees or penalties of any kind, ever.
  • Rates from 0-36% APR.¹
See if you qualify
Select the Affirm Logo at Checkout
Up to $50,000
  • Credit Key offers simple monthly terms in seconds, for business purchases.
  • Net 30 Terms with the first 30 days always interest-free. No early repayment fees.
  • Choose up to a 12-month repayment term.
  • Requires FICO over 600, annual business revenue over $40k, no bankruptcies or open collections.
  • Get a Decision in Seconds. You'll get a decision immediately. Checking your rate will not affect your credit.²
See if you qualify
Select the Credit Key Logo at Checkout
Up to $250,000
  • Over $50,000+ QuickSpark does it better.
  • QuickSpark approves good credit, bankruptcies, challenged credit, and startup business.³
  • Requires a FICO over 500 & order size greater than $1,000.00 USD.
  • Choose from 12 – 60 months payment plan.
  • Get your equipment now and pay for it later in small, manageable payments. Earning money before payment is due.
  • Tax Deductible, most businesses can potentially deduct 100% of the total equipment costs through Section 179.*
Apply now

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 Food Service Financing FAQ & Disclosures

Affirm FAQ

Can I pay off my purchase early?
Yes! There’s no penalty for paying early.
How do I make my payments?
You can make or schedule payments at or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.
Can I return an item I bought with Affirm?
Yes — you can return an item you bought with Affirm by initiating the return process with the store.
Does checking my eligibility affect my credit score?
No — your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in Affirm’s Help Center.
Do I need a mobile number to use Affirm?
Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.
Where can I learn more about Affirm?
You can visit their website at

¹Affirm Disclosure - Rates from 0-36% APR. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. See for important info on state licenses and notifications.

²Credit Key Disclosure - Credit Key offers a dynamic line of credit, distinct from traditional leases or financed loans, providing the versatility to acquire equipment and supplies as required. Eligible applicants can access a line of credit up to $50,000, with a flexible 12-month repayment period. Pre-approval for a specific credit amount is available prior to placing an order.

To qualify for Credit Key financing, applicants must meet the following criteria:

  • Apply as an individual under their own name.
  • Hold the position of owner or signatory for the business involved in the application.
  • Be a U.S. citizen or resident of legal signing age in their state of residence.
  • Possess a FICO®/credit score of 600 or higher.
  • Demonstrate an annual business income of at least $40,000.
  • Provide their Social Security Number.
  • Furnish their business's Employer Identification Number (EIN). For Sole Proprietorships, without a Federal EIN, state registration documentation of the business is required.
  • Have a designated bank account or debit card for repayment purposes.

The application process for Credit Key is simple and does not influence your personal credit score. Importantly, there are no setup fees associated with Credit Key. For durations extending beyond 30 days, favorable terms are available, with rates as low as 1% per month. Applying for Credit Key involves a "soft inquiry," which does not affect your FICO®/credit score.

³QuickSpark Disclosure - Application approvals are subject to specific criteria and exclusions. QuickSpark's innovative payment technology offers a solution to convert large purchase costs into manageable installments. See QuickSpark's FAQ and Terms pages: for more details.

*Financing Disclosure - is not a financing entity and does not offer direct financing to customers. The Net 30 Terms and 0% APR Offers mentioned are potential financing or leasing opportunities via third-party partners, as indicated on our website. These options are provided for informational purposes only; does not endorse or guarantee specific terms or rates. Customers should conduct their own research and engage directly with our partners to fully understand the terms of any financing or leasing options. For tax-related matters, including Section 179 specifics, customers should consult their own accountant or financial advisor. does not provide accounting services or advice.

© 2024 Restaurant Supply. Affirm logo and design are registered trademarks of Affirm, Inc. Credit Key design Snap Credit, Inc. Quickspark design registered trademarks of TimePayment Corp. DBA QuickSpark Financial.

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