Commercial Kitchen Finance in Sydney, Melbourne & Brisbane – Hospitality Asset Finance Specialists
- Asset Finance Partners
- 2 days ago
- 4 min read
Commercial kitchens are the backbone of Australia’s hospitality industry.
Restaurants, cafés, hotels, catering businesses, ghost kitchens, and food production facilities all rely on fully equipped commercial kitchens to operate efficiently and compliantly.
A commercial kitchen is a high-value, business-critical asset that directly impacts revenue, safety, and service delivery.
At Asset Finance Australia, we specialise in commercial kitchen finance across Sydney, Melbourne, and Brisbane.
We help hospitality operators fund complete kitchen fit-outs, upgrades, and replacements without tying up cash flow.
Our tailored asset-finance solutions allow businesses to scale, comply with regulations, and operate efficiently while spreading costs over time.
Why Finance a Commercial Kitchen Instead of Paying Cash?
A commercial kitchen fit-out can cost anywhere from $40,000 to $500,000 or more.
Costs vary depending on venue size, equipment specification, ventilation systems, and compliance requirements.
Financing a commercial kitchen allows businesses to preserve working capital while still accessing high-quality, compliant equipment.
This approach is particularly valuable for growing hospitality businesses operating in competitive city markets.
Key advantages of commercial kitchen finance include preserving cash flow for staffing, stock, and marketing.
Finance also allows repayments to be matched to revenue and trading cycles.
Kitchens can be upgraded or replaced without interrupting business operations.
Energy-efficient and modern equipment becomes more accessible through finance.
For hospitality operators in major Australian cities, commercial kitchen asset finance is often the most strategic funding option.
Who We Finance Commercial Kitchens For
We arrange commercial kitchen finance for hospitality and food-service businesses of all sizes.
This includes restaurants, cafés, and coffee shops.
We also finance bars, pubs, clubs, and licensed venues.
Hotels, motels, and accommodation providers regularly use commercial kitchen finance.
Ghost kitchens and delivery-only kitchen operations are also eligible.
Catering businesses and event kitchens frequently rely on asset finance.
We support aged care, healthcare, and institutional food facilities.
Food manufacturers and commercial production kitchens are also eligible.
Whether you are opening a new venue, refurbishing an existing kitchen, or expanding to multiple locations, we structure finance to suit your operating model.
Commercial Kitchen Equipment We Finance
Asset Finance Australia can fund most hospitality and kitchen equipment.
This includes commercial ovens and combi ovens.
Gas and electric cooktops are commonly financed.
Grills, fryers, and charbroilers are eligible assets.
Commercial refrigeration and cool rooms can be included.
Exhaust hoods and ventilation systems are financeable.
Dishwashers and glasswashers are commonly approved.
Benches, sinks, and stainless-steel fabrication may be included.
Food preparation and storage equipment can also be financed.
Complete commercial kitchen fit-outs are eligible in many cases.
New and used equipment may be approved, subject to lender criteria.
Commercial Kitchen Finance in Sydney
Sydney’s hospitality industry is one of the most competitive in Australia.
From CBD restaurants to Inner West cafés and Western Sydney production kitchens, fit-out costs and compliance requirements are high.
We provide commercial kitchen finance in Sydney for new openings, refurbishments, upgrades, and multi-site hospitality groups.
Our experience includes Sydney council requirements and tight installation timelines.
Sydney service areas include the Sydney CBD, Inner West, Eastern Suburbs, North Shore, Parramatta, Western Sydney, and South-West Sydney.
Commercial Kitchen Finance in Melbourne
Melbourne is widely regarded as Australia’s hospitality capital.
High competition means kitchens must be efficient, compliant, and high-performance from day one.
We arrange commercial kitchen finance in Melbourne for cafés, restaurants, laneway venues, and ghost kitchens.
High-volume hospitality operations also regularly use asset finance.
Our finance solutions support fast openings and scalable growth across metro Melbourne.
Melbourne service areas include Melbourne CBD, Inner North, Inner South, Western Suburbs, Eastern Suburbs, and Greater Victoria.
Commercial Kitchen Finance in Brisbane
Brisbane’s hospitality sector continues to grow alongside population and tourism demand.
Many businesses are investing in new kitchens, refurbishments, and scalable food operations.
We provide commercial kitchen finance in Brisbane for restaurants, cafés, hotels, and catering businesses.
Production kitchens and commissary kitchens are also eligible.
Our finance structures suit both established operators and growing hospitality businesses across Queensland.
Brisbane service areas include Brisbane CBD, Inner Brisbane, South Brisbane, North Brisbane, Western Brisbane, the Gold Coast, and the Sunshine Coast.
Commercial Kitchen Finance Options Available
Chattel mortgage options are available for GST-registered businesses seeking ownership from day one.
Finance leases offer lower repayments and flexibility to upgrade equipment at the end of the term.
Operating leases suit larger or multi-site hospitality groups focused on cash-flow efficiency.
Rental and hire-purchase options provide predictable repayments with ownership at completion.
We tailor the finance structure to your business size, trading history, and tax position.
Commercial Kitchen Finance Amounts and Terms
Finance amounts typically range from $10,000 to $1,000,000 or more.
Terms are available from two to seven years.
Repayments can be structured weekly, fortnightly, or monthly.
Balloon and residual options are available to reduce cash-flow pressure.
Fast approvals are available for established hospitality businesses.
Get Commercial Kitchen Finance in Sydney, Melbourne or Brisbane
If you are opening a new venue, upgrading an existing kitchen, or expanding your hospitality business, upfront costs should not delay your plans.
Asset Finance Australia provides fast and flexible commercial kitchen finance across Sydney, Melbourne, and Brisbane.
Our solutions are tailored to hospitality businesses at every stage.
Apply today or request a callback to discuss the right asset-finance solution for your commercial kitchen.
Comments