Hospitality Finance

When it comes to staying ahead of the competition in hospitality, having the best equipment is essential. However, when it comes to state-of-the-art facilities, we understand that upfront costs can be too much to cover all at once, which is why we offer best-in-market hospitality finance.

  • Quick decisions and finance application turnaround

  • Expertise in many specialist sectors

Why Choose Our Hospitality Funding?

Whether you are a boutique hotel refreshing your guest amenities, a busy restaurant upgrading to high-performance ovens, or a bar investing in sleek new front-of-house facilities, our hospitality finance solutions are designed to help your business thrive.

By utilising specialist catering equipment finance, hospitality venues across the board can access the tools they need without the burden of high upfront costs.

Flexible Catering and Hospitality Financing

Preserve Working Capital:
Our finance solutions provide the breathing room necessary to spread repayments, allowing you to focus your cash flow on daily operations and growth.

Specialist Equipment Coverage:
From industrial kitchen fit-outs to luxury hotel furnishings, our catering equipment finance covers the essential assets that drive your revenue.

Seasonal Flexibility:
We understand the industry’s rhythm. Our bespoke funding can be tailored with flexible repayment structures to align with your seasonal trading fluctuations.

Ready to upgrade your venue? Let us build a finance plan that works as hard as your team does.

The Benefits of Hospitality Equipment Finance

The types of catering and hospitality equipment that can be financed includes;

Commercial Kitchen Equipment

Commercial laundrettes and dishwashers

Furniture and decor

AV technology

IT systems

Point of sale (EPOS) systems

Flexible Catering and Hospitality Financing

We like to make things simple. See our four-step process for securing restaurant equipment financing. From purchasing your equipment wishlist to giving patrons a five-star service:

Choose your asset

Find the hospitality asset you want to purchase and contact our team.

Hospitality equipment finance payments and proposal

Understand your financial position and agree on an affordable payment profile.

Approval and invoice from the supplier

Get a quick decision. We request the invoice from the dealer.

Documents are signed and the supplier is paid

You sign the hospitality finance documents via email, and we pay the supplier.

We believe that all UK businesses have unique needs when it comes to accessing finance

Why use us for your catering and hospitality finance?

  • Turnaround time – We aim to get you a hospitality finance offer in writing within 24 hours of the quote.

  • Service – Our dedicated team of professionals will search the market to get you the best finance deal for you and your business.

Get in touch to discuss hospitality equipment finance in more detail and tell us your requirements.

Barista operating a commercial espresso machine in a cozy coffee shop.

FAQs about Hospitality Finance

Yes. While often associated with traditional restaurants, hospitality finance is a versatile tool for the broader food sector. It is specifically designed for catering companies, event food operators, dark kitchens, and contract caterers.

Using catering asset management strategies, STAR Asset Finance helps these businesses spread the cost of high-value assets over time, rather than depleting their working capital with large upfront purchases.

You can secure restaurant equipment financing for a wide array of both “hard” and “soft” assets. Common items include:

  • Commercial Kitchens: Ovens (combi, pizza, and range), blast chillers, and industrial fryers.
  • Refrigeration: Walk-in cold rooms, display fridges, and commercial freezers.
  • Front of House: High-end coffee machines, bespoke furniture, and EPOS systems.
  • Infrastructure: Extraction systems, HVAC, and even complete fit-outs or refurbishments.
  • Specialist Assets: Warewashing equipment (dishwashers/glasswashers) and food prep machinery.

Catering equipment on finance is not restricted to brick-and-mortar locations. It is highly suitable for:

  • Mobile Units: Food trucks, converted trailers, and modular shipping container kitchens.
  • Event Infrastructure: Portable bars, mobile cold storage, and high-capacity temporary cooking equipment.
  • Pop-ups: Modular setups for festivals and seasonal markets.

Catering equipment finance is frequently used for business growth and modernisation. Whether you are looking to replace aging, energy-inefficient gear with modern tech or scale up your capacity to meet growing demand, restaurant equipment loans and leases provide the necessary capital. STAR Asset Finance can also facilitate refinancing, where you release equity from existing equipment you already own to fund a new expansion or location.

Yes. At STAR Asset Finance, we pride ourselves on a “human approach,” meaning we can structure restaurant equipment finance for a variety of business models:

  • Independent Venues: Helping single-site owners and start-ups (even those with limited trading history) access professional-grade tools.
  • Multi-site Groups: Offering larger facilities for established groups looking to roll out new locations or standardise equipment across an entire estate.
  • Flexible Terms: Agreements can often be tailored with seasonal repayment profiles to match the fluctuating income cycles typical of the hospitality industry.

More expertise in specialist sectors

Industries we work with

Agricultural

Agricultural

Auto mechanic in red overalls installing a tire on a red car lifted on a hydraulic platform in a professional garage.

Automotive

White and red single-engine airplane performing an aerobatic maneuver with a smoke trail against a blue sky with clouds.

Aviation

Close-up of an orange industrial floor scrubber being operated by a person in black attire, cleaning a shiny hallway floor in a modern building.

Cleaning

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Construction

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Education

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Engineering

Close-up of a surgeon wearing surgical gear and magnifying glasses focused during an operation.

Healthcare

Barista using an espresso machine with paper cups and jars in the foreground.

Hospitality

Close-up of people running on treadmills in a modern gym setting.

Leisure & Sports

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Marine

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Retail

A graphic of a man holding a laptop looking at a server deck

Technology

Extreme Sports Café Receives STAR Boost

We supported Point Break café in Chivenor, North Devon, by financing the purchase of a commercial coffee machine and grinder. Recommended by The Devon Coffee Company, we provided the funding needed to help bring this exciting new venture to life.

Point Break is a unique, extreme sports-themed café founded by three adrenaline enthusiasts, who have channelled their passion for adventure into creating a dynamic community hub. With themed décor, sports memorabilia, and plans to host inspiring events, the café has become a go-to spot for thrill-seekers and locals alike.

Hospitality & Catering

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Are you a Supplier looking for finance for your customers?

If you sell any form of equipment, machinery or commercial vehicles, why not offer point of sale finance to your customers? You can make supplier finance arrangements through any one of our group businesses, where local knowledge is backed by national support.