By Mark J. Kane | Founder & CEO, Sunwise Capital | Forbes Finance Council Member 18+ years in business financing · 86,000+ businesses trust us · Boca Raton, FL Key Takeaways How fast can I get equipment financing? What is the minimum revenue requirement? How much can I borrow for restaurant equipment? Is a down payment required? Financing for restaurant equipment is crucial for established businesses looking to maintain a competitive edge in a fast-paced culinary world. With Sunwise Capital’s expertise, you can access tailored solutions that keep your kitchen cutting-edge without the hefty costs upfront. Since 2010, over 86,000 businesses have trusted Sunwise Capital for their financing needs, allowing them to thrive with the right tools at their disposal. For businesses generating $20,000/month minimum revenue over the last 3 months, securing the correct financing option could mean reaching new culinary heights. As an established restaurant owner, you understand the importance of efficient cooking and service equipment. Dive into the world of financing designed explicitly for your industry’s needs. Table of Contents Toggle Understanding the Basics of Equipment FinancingWhy Choose Sunwise Capital for Your Equipment NeedsFind out what your business qualifies for.Comparing Equipment Financing OptionsCustomizing Your Equipment Loan with SunwiseMaking the Right Choice for Your BusinessFrequently asked questionsHow fast can I get equipment financing?What is the minimum revenue requirement?How much can I borrow for restaurant equipment?Is a down payment required?Are there industries Sunwise Capital specializes in?Can new businesses apply?How do repayment terms work?Your business qualified for capital. Find out how much.About the Author Understanding the Basics of Equipment Financing Restaurant equipment financing allows businesses to maintain liquidity by spreading costs over time, rather than incurring massive upfront expenses. With flexible payment options, your working capital remains available for other operational needs. The merchant cash advance — also called a revenue-based loan — is a popular choice among restaurant owners. These are structured to align repayments with your cash flow, minimizing strain during lower revenue periods. “Equipment is one of the smartest ways to deploy borrowed capital because the asset itself generates the revenue to repay the loan. We can structure equipment deals up to $5 million for companies across construction, healthcare, and transportation — often with no down payment required.” Why Choose Sunwise Capital for Your Equipment Needs When it comes to financing, Mark J. Kane, Founder and CEO of Sunwise Capital, believes in creating opportunities for businesses to succeed. Since 2010, over 86,000 businesses have trusted Sunwise Capital for their financial needs. Sunwise Capital offers same-day funding in as little as 4 hours, depending on approval. This speed helps restaurant owners make quick decisions without the prolonged wait times typical of traditional lenders. Sunwise Capital Find out what your business qualifies for. No commitment. No impact to your credit score until you accept an offer. See My Funding Options → Soft check only · 2 minutes · No obligation Comparing Equipment Financing Options Loan Type Amount Typical Terms Key Features Equipment Financing $10K-$500K 2-5 years Unsecured, fast approval Merchant Cash Advance Variable Flexible repayment Based on future sales Traditional Bank Loan Up to $1M 5-10 years Longer approval times Customizing Your Equipment Loan with Sunwise Mark J. Kane, Founder and CEO of Sunwise Capital, emphasizes flexibility in financing options, crucial for meeting unique business needs. Whether a small bistro or a large chain, Sunwise structures loans that fit your specific goals. With access to equipment financing up to $5M, restaurateurs can procure cutting-edge technology without exhausting existing capital. According to Kane, “Equipment is one of the smartest ways to deploy borrowed capital because the asset itself generates the revenue to repay the loan…often with no down payment required.” Making the Right Choice for Your Business Understanding your specific needs is essential when selecting a financing option. As a member of both NEFA and AACFB, Sunwise Capital provides industry insights to help guide your decision-making process. By prioritizing efficiency, restaurant owners can significantly boost productivity, resulting in higher customer satisfaction and increased revenue. Sunwise Capital’s flexible terms ensure you have the backing you need to keep operations smooth and responsive to demand spikes. Financing Option Loan Amount Terms Benefits Equipment Loan $10K-$500K 2-7 years Unsecured Merchant Cash Advance Variable Flexible repayment Aligns with sales Bank Loan Up to $1M 5-20 years Lower rates overall Frequently asked questions How fast can I get equipment financing? Sunwise Capital can provide financing in as little as 4 hours, subject to approval. What is the minimum revenue requirement? To qualify, businesses need $20,000/month minimum revenue over the last 3 months. How much can I borrow for restaurant equipment? Sunwise Capital offers loans ranging from $10K to $500K for equipment purchases. Is a down payment required? Often no down payment is needed, as the equipment itself secures the loan. Are there industries Sunwise Capital specializes in? With coverage over 700 industries, specialties include construction, healthcare, and transportation. Can new businesses apply? Sunwise Capital primarily serves established businesses with 5+ years in operation. How do repayment terms work? Repayments are tailored to your cash flow, offering flexibility during slower periods. Mark J. Kane, Founder and CEO of Sunwise Capital, understands the unique challenges and opportunities faced by established restaurant owners. Smart financing ensures you stay ahead in the rapidly evolving food industry. With financing solutions designed to support both immediate needs and long-term growth, Sunwise Capital becomes a partner, helping you sustain a competitive advantage. Since 2010, over 86,000 businesses have chosen us to aid their journey. Take the next step in securing your restaurant’s future by exploring your financing options with Sunwise Capital today. What business owners say about Sunwise Capital Trustpilot Find. Fund. Fuel. Your business qualified for capital.Find out how much. See your funding options in 2 minutes. No commitment. Since 2010, over 86,000 businesses have trusted Sunwise Capital. See My Funding Options → ⭐ 4.9/5 Trustpilot · Forbes Finance Council · NEFA & AACFB · Funding in as little as 4 hours About the Author Mark J. Kane is the Founder and CEO of Sunwise Capital, a small business lending company based in Boca Raton, Florida. With more than 30 years of experience in business finance and executive leadership, Mark has helped business owners access the capital they need to grow, adapt, and compete. Before founding Sunwise Capital, Mark held senior leadership roles across capital markets, securities, healthcare, and internet finance. His background includes building high-growth financial platforms, expanding investment banking operations nationwide, training thousands of sales professionals, and scaling ventures from startup stage to multimillion-dollar revenue. Mark holds a B.S. in Psychology from the University of Massachusetts Amherst and a Master’s Degree from the University of Chicago. Through Sunwise Capital, Mark and his team have helped more than 86,000 businesses pursue funding solutions designed to support growth, cash flow, equipment purchases, and long-term success. Ready to apply? See your funding options in minutes at Sunwise Capital.
