CANADA & UNITED STATES
Keep service running.
Prepare for your next opening.
Explore financing for commercial kitchens, hospitality equipment and the operating costs behind a restaurant, café, hotel or catering business. Mehmi helps you assess the full requirement before you commit.
Discuss your financing needsKitchen equipment • Expansion • Cash flow
FINANCING THAT FITS THE OPERATION
A kitchen fit-out is only part of a hospitality investment. Installation, initial stock, staff training and a slower opening period can draw cash before the business reaches its expected sales level.
Separate durable equipment from consumables and day-to-day costs. Review the repayment commitment against realistic covers, room occupancy or catering bookings, allowing for seasonality and the costs of keeping the operation ready to serve.
Explore equipment financingSTART WITH THE BUSINESS NEED
Identify the constraint first. The right discussion starts with what you need to buy, when cash leaves the business and how it returns.
01 / KITCHEN CAPACITY
The right package depends on the menu and operating volume.
02 / OPERATING CASH
Fixed costs continue when bookings or sales slow.
03 / EXPANSION
A second site needs more than another equipment list.
ASSETS ACROSS THE OPERATION
Share the equipment make, model, age, price and location. Eligibility depends on the asset, seller, condition and proposed transaction.
Examples include a Rational combi oven, True refrigerator or La Marzocco espresso machine. Equipment and seller eligibility are assessed for the transaction.
Browse equipment categoriesCOMPARE THE PURPOSE, THEN THE TERMS
Use this as a starting point for discussion. Products can overlap, and availability depends on your business and location.
| Your objective | Option to explore | What to review |
|---|---|---|
| Purchase an identifiable business asset | Equipment loans ↗ | Asset condition, useful life, security and payment schedule. |
| Use equipment with an agreed end-of-term choice | Equipment leases ↗ | Total rentals, return or purchase conditions and residual exposure. |
| Assess an eligible rental and purchase arrangement | Restaurant equipment / Rent-Try-Buy ↗ | Location availability, notice periods, buyout and return terms. |
| Cover a defined operating cash requirement | Working capital financing ↗ | Repayment capacity, payment frequency and total borrowing cost. |
| Assess a franchise opening or expansion | Franchise financing ↗ | Agreement, total project budget, fees and operating forecast. |
| Address an eligible commercial equipment repair | Repair & breakdown financing ↗ | Itemized estimate, asset condition, downtime and repayment. |
Compare the complete proposal, including fees, guarantees, security, repayment obligations and any end-of-term amount.
ILLUSTRATIVE PLANNING EXAMPLE
A restaurant pays equipment deposits, prepares its space and hires staff before opening. Even after the first service, sales can take time to reach the owner’s forecast.
Budget for the period between paying suppliers and generating dependable operating cash. Compare the financing payment with a conservative sales scenario rather than only the opening-month target.
This is a hypothetical scenario, not a Mehmi client result or financing offer.
FOLLOW THE CASH
Deposits, equipment and installation are paid.
Staff, ingredients and overhead need working cash.
Collected revenue supports operating costs and payments.
A CLEARER APPLICATION
The review may consider trading history, sales patterns, margins, owner experience and existing debt. A new location should explain the opening schedule, required investment and funding already committed. Equipment quotes should distinguish the assets from building work and other setup costs.
A newer business may need additional evidence of experience, owner investment or contracted demand. No single factor guarantees an approval.
Start your financing request
The document list will vary with the request.
CANADA & UNITED STATES
Tell us where the business operates and where the equipment, inventory and customers are located. Cross-border activity can change the information needed for review.
CANADA
Specify your province and whether the quote is in CAD or another currency.
UNITED STATES
Specify the borrowing business, asset location and quote currency.
NEXT STEPS
01
Share your business location, requested amount and intended use.
02
Discuss the information requested and any proposal made available.
03
If approved and you choose to proceed, complete the agreed conditions.
PRACTICAL ANSWERS
A new business can submit a request for review. Limited trading history may mean additional information is needed, such as owner experience, investment, lease details and a realistic opening budget. Approval and available structures are assessed individually.
A Rent-Try-Buy arrangement may have specific rental, purchase, return and notice conditions. Availability varies by equipment, supplier and location. Compare the complete agreement, including the cost of keeping or returning the equipment, rather than assuming it is a standard ownership lease.
Ask for an itemized package review. Equipment, delivery, installation, ventilation work and other fit-out costs may be treated differently. Confirm which items are covered before accepting a supplier quote or making a deposit.
Yes. Describe equipment purchases and operating costs separately, even if they form part of the same project. Each may require different documentation, security and repayment arrangements. Review the combined cash commitment before agreeing to multiple facilities.
Possibly, but the agreements must work together. Existing security interests, borrowing restrictions and required consents may affect a new arrangement. Share current balances and agreements early, and do not assume the same asset can support another facility without review.
The amount and timing depend on the business, product, documentation, verification and completion of approval conditions. Identify any purchase or project deadlines early. An application or financing discussion is not a commitment to fund.
GO A LITTLE DEEPER
Explore the documents, equipment questions and transaction details behind a financing request.
CANADIAN FINANCING GUIDE
Explore the considerations and preparation behind this financing topic.
CANADIAN FINANCING GUIDE
Explore the considerations and preparation behind this financing topic.
LET’S LOOK AT YOUR NEXT MOVE
Share your location, amount and purpose to begin a restaurants & hospitality financing discussion.
Financing is subject to application review and approval. Availability, costs, terms and documentation vary by business, product and location. This page provides general information and is not a financing offer.