Hoshizaki
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Mehmi Financial Group helps businesses finance and lease Hoshizaki equipment, including restaurant equipment, in Canada and the USA. As a brokerage, we compare options from banks, equipment finance companies and alternative lenders for new and used Hoshizaki units, from dealer purchases to private sales. Approval, rates and terms are set by each lender.
About Hoshizaki
Hoshizaki Electric was established in February 1947 in Nagoya, Japan, according to Hoshizaki America. Hoshizaki has served North America for more than 40 years, and more than 400 of its products are made in Peachtree City and Griffin, Georgia, according to Hoshizaki.
Hoshizaki equipment
Hoshizaki makes commercial ice machines, ice dispensers and refrigeration used by restaurants, bars, hotels, healthcare and convenience stores.
How lenders view ice and refrigeration
Ice machines and refrigeration are financed mainly on the business's cash flow and often in packages. Lenders review bank statements and the quote.
Financing Hoshizaki equipment
Ice machines are commonly financed with refrigeration and beverage equipment. Hotels and chains may finance several units together.
How Hoshizaki equipment financing works
Most Hoshizaki purchases are financed with an equipment loan or a lease. A loan gives you ownership from day one, with the lender registering a security interest (PPSA in Canada, UCC in the USA). A lease keeps title with the lessor and can lower the monthly payment, with a buyout, renewal or return option at the end.
What lenders check on a Hoshizaki restaurant equipment
Lenders look at the business cash flow, the location, and installation and ventilation costs. Commercial kitchen equipment is often financed as a package with installation.
Expect to provide a credit application, recent business bank statements, the dealer quote or bill of sale with serial number and age, and financial statements or tax returns for larger amounts.
See the full list of eligible equipment, compare equipment financing options, or estimate payments with the equipment financing calculator.
All Hoshizaki models with financing pages
| Model | Type | Category |
|---|---|---|
| Hoshizaki | Equipment | Restaurant |
| Hoshizaki F-801mwh Ice Machine | Equipment | Restaurant |
| Hoshizaki Ice Machine | Equipment | Restaurant |
| Hoshizaki KM-1601 Ice Machine | Equipment | Restaurant |
Tax treatment of Hoshizaki equipment
In Canada, the CCA class depends on the asset and how it is used. Your accountant can confirm the right class. With a loan, you generally claim capital cost allowance and deduct interest. With a true operating lease, lease payments are generally deductible instead. See the CRA classes of depreciable property. In the USA, Section 179 and bonus depreciation may apply; see IRS Publication 946. Always confirm with your accountant.
End-of-term options on a Hoshizaki lease
A $1 buyout lease is built for ownership: you keep the machine for a nominal amount at the end. A fair market value lease usually has a lower payment, and at the end you can buy the equipment at its market value, return it or upgrade. Read the return conditions, such as hour limits and wear standards, before you sign.
Who finances Hoshizaki equipment
Restaurant: independent restaurants, franchises, bakeries, caterers, ghost kitchens and food manufacturers finance Hoshizaki equipment to take on new work, replace aging units or add capacity.
The right structure depends on how the equipment earns money. A machine tied to a long contract can support a longer term, while seasonal work may call for skip or seasonal payments that some lenders offer.
Questions to ask the dealer or seller before you finance
- What is the exact model year, serial number and age?
- Is there a service history or recent inspection report?
- Is any warranty or extended coverage included, and does it transfer?
- Are attachments, delivery, installation and taxes itemized on the quote?
- For a private sale, is the equipment free of liens, and who will provide the bill of sale?
Insurance on financed Hoshizaki equipment
Lenders and lessors require the equipment to be insured for its replacement or financed value, with the lender named as loss payee, before funding. Some also ask for liability coverage. Getting an insurance quote early avoids last-minute delays.
Frequently asked questions
Can I finance a Hoshizaki ice machine?
Yes, usually with other equipment.
Where are Hoshizaki products made?
More than 400 are made in Peachtree City and Griffin, Georgia.
Can a hotel finance ice dispensers?
Yes. Lenders review the hotel's financials.
Can refrigeration be financed with an ice machine?
Yes. Many lenders finance packages.
When was Hoshizaki founded?
In February 1947 in Nagoya, Japan.
Can a bar finance Hoshizaki equipment?
Yes. Lenders review the bar's cash flow.
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