Finance lease · Cafés and hospitality
Finance lease for cafés and hospitality
Cafés, restaurants and bars take payments daily, so finance with daily or weekly repayments and equipment finance for fit-outs and kitchen gear tend to fit best.
How a finance lease works for cafés and hospitality
Fit-outs and equipment that will be refreshed in a few years often suit a finance lease, keeping payments deductible and the end-of-term decision open.
The cash-flow pattern we plan around
A café takes payments each day, with strong weekends and quieter mid-week trade.
What cafés and hospitality typically fund
- Fit-out and refurbishment
- Coffee machines, ovens and cool rooms
- Stock and seasonal staffing
Finance lease for cafés and hospitality: the numbers
| Typical amounts | $10,000 – $1,000,000 |
|---|---|
| Term | 12–60 months |
| Indicative rates | 7.2% – 14.9% p.a. |
| Repayments | Monthly |
| Speed | 1–3 business days |
| Documents cafés and hospitality usually need | ABN · 6 months of bank statements · Merchant statements |
Rates shown are indicative ranges observed across our lender panel for the period stated. They are not an offer or quote. Your rate depends on your business, the lender, the amount, the term and the security offered. The lender makes the final credit decision.
Key terms
Hospitality business finance
Hospitality business finance is lending sized to daily card takings, commonly structured as daily-repayment unsecured loans, equipment finance for kitchen assets and lease finance for fit-outs.
What is a finance lease?
A finance lease is a rental agreement for business equipment where the financier retains ownership for the term. The lessee makes fixed payments and is responsible for the residual value at the end.
Questions from cafés and hospitality
How quickly can I access funding?
Timing depends on the lender, your application and the documents available. Tell us your deadline so we can explain the likely timing and what is needed to move forward. Funding is subject to lender approval and completion of any conditions.