Eligibility
What lenders look for
- Canadian registered food-service business
- New or used commercial kitchen equipment
- New openings and established restaurants alike
Approvals can come the same day · New or used, any seller · Funding up to $1,000,000
Restaurant equipment financing
Financing for commercial kitchens, refrigeration and full fit-outs, planned builds or emergency replacements, through lenders who work with restaurants.
Estimate your paymentExample rate 9%
$1,967/month over 48 months
CBL funds up to $1,000,000
Example only, not a quote. The lease example includes a 10% buyout at the end of the term. Your rate depends on credit, time in business and the equipment.
Continue to applicationThe short answer
Yes. CBL Financial arranges loans and leases for ranges, refrigeration, dishwashing, espresso machines and full kitchen fit-outs, new or used, from any seller. It suits restaurants, cafés and bars, whether you're planning a build or replacing a cooler that died mid-week. Funding goes up to $1,000,000, terms run 24 to 72 months, and approvals can come the same day.
At a glance
CBL Financial is an equipment financing brokerage in Calgary, Alberta, that arranges restaurant equipment financing for businesses across Canada. Funding goes up to $1,000,000, terms run 24 to 72 months, and approvals can come the same day for straightforward files.
| What it is | Restaurant equipment financing, arranged through a lender network |
|---|---|
| Funding | Up to $1,000,000 |
| Terms | 24 to 72 months |
| Approval time | Same day possible for straightforward files |
| Where | Businesses across Canada, from a head office in Calgary, AB |
| Equipment | Commercial ovens & ranges, Walk-ins & refrigeration, Espresso machines, Dishwashing systems, Full kitchen fit-outs |
| Sellers | New or used, from a dealer, auction or private seller |
| Rate and down payment | Set by the lender for each file, based on credit, the asset and its age |
Restaurant equipment fails at the worst possible moment: a walk-in cooler on a Friday night, a range mid-service. Panic-buying at full retail is how thin margins get thinner. We finance both the planned kitchen build and the emergency replacement, turning a large unexpected cost into a monthly payment so a breakdown doesn’t become a cash-flow crisis.
Food service gets judged harshly by generalist lenders, who see high failure rates and short leases and price accordingly, if they engage at all. We place restaurant files with lenders who want the sector and understand it. Plenty of commercial kitchen equipment holds up well used, so we finance quality pre-owned units too, which can stretch a fit-out budget a long way for a new opening.
Why CBL
Why finance restaurant equipment with CBL
Speed when something breaks
When a cooler or range fails, approvals can come the same day, which matters when every night without it costs you covers.
Hospitality-friendly lenders
Restaurant files go to lenders who actually want food-service business. Some generalists decline the sector on reflex.
Full fit-outs financed together
A complete kitchen (cooking line, refrigeration, dishwashing, front of house) financed as one package, instead of dozens of separate invoices.
New and used equipment
Quality used commercial equipment can substantially reduce fit-out cost, and we fund it alongside new where it makes sense.
How it works
A straightforward process
- Step 1
Tell us what you need
A single urgent replacement or a full kitchen build. Send the equipment list and a short note on your situation.
- Step 2
We place it with hospitality lenders
Your file reaches lenders with real food-service appetite, matched to the equipment and your business.
- Step 3
Funded and cooking
Vendors are paid directly. Approvals can come the same day, which helps most when a replacement can't wait.
Start your application
Ready when you are
Apply in one sitting. Approvals can come the same day. Questions? Call 877-522-2498.
Start your application