Equipment & Build-Out Financing

Get the Equipment Now. Pay for It Over Time.

Finance your commercial kitchen equipment from $5,000 to $100,000+ through our partner Centra Funding, approved in minutes with a quick online application. Open, expand, or upgrade without draining the cash your restaurant needs to run.

Apply Now, Takes Seconds (972) 487-8888

Decisions in minutes $5K to $100K+ Sign online, any device DFW-based partner

Why finance your kitchen

Keep your cash. Get equipped anyway.

Paying cash for a full kitchen ties up the money you need for inventory, payroll, and rent. Financing spreads it out so you can move now and pay as the business earns.

Protect your working capital

Keep cash free for food cost, staff, and the unexpected, instead of sinking it all into equipment up front.

Approved in minutes

The online application takes seconds, you get a decision fast, and documents are signed electronically on any device.

$5,000 to $100,000+

From a single reach-in to a full cook line and build-out, finance what you need, with more available on request.

Low rates, simple terms

A straightforward process with competitive rates through Centra Funding, no piles of paperwork.

Possible tax advantages

Equipment purchases may qualify for Section 179 deductions. Ask your tax advisor how it applies to you.

One team, start to finish

RHQ supplies and installs; Centra funds your supplier directly, so the whole project moves without the back-and-forth.

How it works

From quote to kitchen in four steps

Build your list

Pick your equipment or scope your build-out with the RHQ team. We put together your quote.

Apply online

Submit Centra Funding's quick application, it only takes a few seconds to get started.

Approve & sign

Get your decision fast and e-sign your documents on any device, no office visit needed.

We deliver

Centra funds RHQ directly, and we deliver, fabricate, and install. You pay over time.

Start Your Application

What you can finance

Equip the whole line, not just one piece

Refrigeration, reach-ins, walk-ins, prep tables, ice machines
Cooking equipment, ranges, fryers, ovens, griddles, hoods
Custom stainless fabrication & millwork built in our shop
Smallwares, prep & storage, shelving, tables, food prep
Furniture & front-of-house for your dining room
Full build-out equipment packages for a new location

Built for operators who are…

Opening a first restaurant
Expanding to a second location
Replacing aging or broken equipment
Remodeling or upgrading the kitchen
Scaling a food truck or ghost kitchen

Ready to get equipped?

Apply with Centra Funding in seconds, or call the RHQ team and we'll help you build the right package first.

Apply Now (972) 487-8888

Questions

Financing FAQ

How much can I finance?

Equipment financing runs from $5,000 to $100,000, with larger amounts available on request. Whether it's a single piece or a full kitchen build-out, you can finance the equipment package that fits your project.

How fast is approval?

Fast. Centra Funding's online application takes only seconds to submit, decisions come back in minutes, and you e-sign your documents electronically on any device, no office visit required.

Who is Centra Funding?

Centra Funding is RHQ's equipment-financing partner, a Plano, Texas company specializing in fast, simple business equipment financing. When you're approved, Centra sends the funds straight to RHQ so we can deliver and install your equipment.

What does the process look like?

Four simple steps: (1) build your equipment list with RHQ, (2) apply online with Centra, (3) get approved and e-sign, (4) we deliver, fabricate, and install while you pay over time.

Are there tax benefits to financing equipment?

Often, yes. Business equipment purchases may qualify for Section 179 deductions, which can let you write off qualifying equipment. Every situation is different, so confirm the specifics with your tax advisor.

Can I finance a full kitchen build-out?

You can finance the equipment and fabrication package for your build-out. Tell the RHQ team what you're planning and we'll put together a quote you can take into the application.

Financing is provided by Centra Funding and is subject to credit approval. Rates, terms, and amounts vary by applicant and are determined by Centra Funding, not Restaurant Headquarters. Restaurant Headquarters does not provide financing, tax, or legal advice, consult a qualified professional regarding Section 179 and your specific situation.

Refrigeration

Cooking Equipment

Kitchen Equipment

Food Prep

Ice Machines

Kitchen Supplies

Tabletop

Bar Supplies & Equipment

Storage & Transport

Furniture

Janitorial

Equipment Parts

Apparel & Uniforms