Why Finance Your Restaurant Equipment?
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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.
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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 of the competition.
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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.
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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.
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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.
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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 Your Financing Option
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![restaurant equipment financing shop pay logo]()
Personal - Up to $30,000
- ShopPay splits purchases into easy, interest-free installments or low-interest financing under your personal name.
- Enjoy one-tap checkout with ShopPay’s encrypted payment system.
- Get what you need now and pay over time without financial stress.
- No hard credit checks, great for individuals with less-than-perfect credit.
- Instant approval. Get a quick decision at checkout with no impact on your credit score.¹
- Simply select the ShopPay payment option at checkout and complete the checkout process.
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![restaurant equipment financing credit key logo]()
Businesses - Up to $50,000
- Credit Key offers simple monthly terms in seconds, for business purchases.
- Net 30 terms with the first 60 days 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
- Simply select the Credit Key payment option at checkout and complete the checkout process.
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![restaurant equipment financing quick spark logo]()
Businesses - 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.*
5-Star Customer Reviews
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I'm totally pleased with this APP, I really appreciate the service. It helps me to get items I want easier to purchase through this App. Affirm making purchases easier on customers with limited income. Thanks. -
Helped me make payments more affordable from month to month with my children for our trips. Than pay all that’s in one time. Now I got one more payment to go, thanks again for this opportunity otherwise it’s very hard to meet those requirements,I will very recommend this opportunity program to anyone , Also I will using this same program in future . Thanks Again was very helpful. Sam M
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This was my first using Affirm, so I was nervous. The fact that it was being used outside the USA, made the experience much more of a trying situation. I must say I had a wonderful stay and Affirm was amazing, and they executed everything that they said. I would not hesitate to use their service again. Thank you for making my trip abroad a delightful experience!
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Great service. Got approved with no credit and you pay exactly as much interest as they state. Wonderful institution
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Made orders for Christmas and had no problem getting credit for my items. Had no problem when I applied for it.
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Fabulous! We needed a small Soda Cooler. We found one that would work with our bidget. Credit Key made it happen! We paid it in three payments, Paid in Full. Thank you Credit Kay for helping us be able to get a product that we needed for our customers. We appreciate your helpful, kind and happy to help you attitude. Keep up the good work!
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Great program! It helps so much when business owners are paying big bucks during construction, meanwhile knowing typically we will get some compensation from the landlord. Makes life easier to have this bridge loan so we can have ease in life and do more. Highly recommended!
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It is so helpful for my new project when I have better opportunity to try out my chances.
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Great experience working with CreditKey. Not only did they finance my product, they also went above and beyond to take care of me as a customer. Most companies just take your money and off you go. They made me feel more than just a client and offered me assistance on other services they offer.
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The entire process was very fast and simple. It only took two minutes from filling the application to receiving a response. It was our first time using this service. We highly recommend it.
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My experience was amazing! My representative was very responsive and always responded quickly when I needed him. He answered any questions I had and made sure I understood thoroughly.
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Erin was amazing! She was prompt and clear in her communication and friendly throughout. Thanks Erin.
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Conner went absolutely out of his way to help me get the best loan I could get. If he had not gone the extra mile it probably would not be a dream come true today! Thus world needs more Conners and fewer Steve’s in it today I promise you this!! If I was his boss, I promise a promotion or raise would be in for him!!!
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This was the final piece of the puzzle to get my business running. By using QuickSpark, I was able to get what I needed and will start my business 36 months sooner. Thank you from the bottom of my heart!
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I didn’t have the cash to purchase the equipment. QuickSpark made it possible for me to get my business started.
Restaurant Equipment Financing Disclosures
¹ShopPay Disclosure - Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses.
For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.
Shop Pay Installments is offered in partnership with Affirm. Affirm is the servicer of your loan, and you can manage payments in your Shop Pay account or with Affirm directly.
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 https://quickspark.com/faq/ and Terms pages: https://quickspark.com/terms-and-conditions/ for more details.
*Financing Disclosure - RestaurantSupply.com is not a financing entity and does not offer direct financing to customers. The Net 30 Terms, Net 60 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; RestaurantSupply.com 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. RestaurantSupply.com does not provide accounting services or advice.
