Equipment Types We Finance
Commercial Kitchen
- Commercial ovens and ranges
- Dishwashing systems
- Refrigeration and freezer units
- Ventilation and extraction systems
- Preparation and cooking equipment
Bakery & Confectionery
- Industrial dough mixers
- Proving and retarder units
- Deck and convection ovens
- Bread slicers and packaging
- Cooling conveyors
Catering & Contract
- Mobile catering units
- Event catering trailers
- Bulk cooking equipment
- Counter and display equipment
- EPOS and till systems (soft costs)
Worked Example: £45,000 Bakery Oven Installation, 4-Year HP at 8.0%
| Detail | Figure |
|---|---|
| Asset | Deck oven + proofer, installed (new) |
| Asset value | £45,000 |
| Deposit (10%) | £4,500 |
| Amount financed | £40,500 |
| Rate | 8.0% per annum (HP) |
| Term | 4 years (48 months) |
| Estimated monthly payment | approx. £990/month |
| Total cost of finance | approx. £51,900 (inc. deposit) |
Illustrative only. Actual rate subject to credit assessment.
Indicative Lender Rates - Catering Equipment Finance
| Lender | Rate Range | Min. Deposit | Decision Speed | Notes |
|---|---|---|---|---|
| Lloyds Bank | 5.5–8.5% | 10% | 5–10 days | Established businesses |
| Close Brothers | 6.5–11.0% | 0–10% | 2–4 days | SME-friendly |
| Aldermore | 6.0–10.5% | 0–10% | 2–5 days | Flexible criteria |
| Shawbrook | 6.5–11.0% | 0–10% | 2–4 days | Specialist assets |