Kitchen equipment finance
Commercial oven finance
Finance a combi oven, deck oven, conveyor oven or kitchen upgrade without draining cash flow.
Keep cash in the business for wages, stock and growth
New and used commercial ovens may be eligible
Get a quick answer based on your quote and business profile
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Commercial oven finance
Finance a combi oven, deck oven, conveyor oven, convection oven, or a broader kitchen upgrade without draining cash flow.
For many hospitality businesses, the oven is not just another asset. It is core revenue equipment. When it needs replacing, upgrading, or expanding, paying the full amount upfront is not always the best use of cash.
Commercial oven finance lets you spread the cost over time while the equipment helps the business keep moving.
What is commercial oven finance?
Commercial oven finance is a business finance solution used to fund income-producing cooking equipment.
It is commonly used by:
cafés
restaurants
bakeries
caterers
takeaway shops
food producers
commercial kitchens
Instead of paying the full cost upfront, the business makes regular repayments over an agreed term.
100% free · No credit score impact · No obligation
What types of ovens can be financed?
Commercial oven finance can apply to a wide range of equipment, including:
combi ovens
convection ovens
deck ovens
conveyor ovens
rotisseries
cook centres
other eligible commercial cooking equipment
It can also apply to broader upgrades, such as:
oven plus extraction
oven plus refrigeration
prep equipment bundles
partial fit-outs
full kitchen equipment packages, where suitable
New and used equipment may be eligible, depending on the asset, supplier, age, and condition.
Combi oven finance
Combi oven finance is one of the most common requests within commercial oven finance.
That is usually because combi ovens are high-value, high-use assets that can materially improve speed, consistency, and kitchen output.
If you are financing a combi oven, the main things that usually matter are:
brand and model
purchase price
supplier
new vs used
how the repayments need to fit the business cash flow
Whether it is a single-unit replacement or part of a wider kitchen upgrade, the goal is the same: structure the finance around how the business actually operates.
Common commercial oven finance options
The right structure depends on the equipment, the business entity, and what outcome matters most.
Common options may include:
Chattel mortgage - often used when the business wants ownership from day one
Finance lease - structured repayments with end-of-term options
Rental-style options - where suitable, for businesses that want flexibility
The best option is not just the one that gets approved.
It is the one the business can comfortably live with.
How much can you finance?
That depends on the lender, the asset, and the overall deal.
Commercial oven finance is commonly used for:
single oven purchases
multiple equipment items in one deal
higher-value commercial kitchen upgrades
fit-out components, when structured correctly
If you already have a supplier quote or invoice, that is usually enough to start the conversation.
How long are the terms?
Commercial oven finance is often structured over 1 to 5 years, and sometimes longer for larger or stronger deals.
The right term usually depends on:
the total equipment cost
how heavily the oven will be used
whether keeping repayments lower matters most
the business’s seasonality and cash flow pattern
Why businesses use commercial oven finance
Most buyers are trying to solve one or more of these problems:
keep cash in the business for wages, stock, rent and growth
replace failing equipment before it causes downtime
upgrade output and consistency during busy trading periods
avoid using short-term cash flow products for long-life equipment
That is why commercial oven finance often makes sense.
The oven may create revenue for years, so the funding structure should reflect that.
What lenders usually look for
The exact requirements vary, but commercial oven finance commonly involves looking at:
ABN and time in business
recent trading conduct
the equipment details
supplier details
credit history
overall repayment comfort
Some deals are straightforward.
Others need a cleaner explanation of the business story and the reason for the purchase.
What you may need to provide
To give you a realistic answer, we usually start with:
supplier quote or invoice
ABN and entity details
recent business bank statements, where needed
driver licence for ID
If something is missing, we will tell you what matters first so you are not chasing unnecessary paperwork.
New and used commercial oven finance
Many buyers ask whether used commercial ovens can be financed.
Often, yes.
It depends on things like:
the age of the oven
the condition
the supplier
whether the asset is suitable security for the lender
Some lenders are more flexible than others, which is why the asset details matter early.
A simple example
If a commercial oven costs $30,000, the repayments can vary based on:
the term
the finance structure
whether the asset is new or used
the lender’s pricing and fees
The quickest way to get a real number is to run it properly against the quote and the business profile.
Why CASEY
CASEY is a business finance broker that helps Australian businesses fund equipment and working capital.
What you get is simple:
clear options based on your situation
realistic feedback upfront
support from quote through to payout
a process that respects the fact you are busy
If the deal is straightforward, we will tell you.
If it is not, we will still tell you clearly, along with what is realistic.
The broker behind CASEY
Hi, I’m Michael.
I run CASEY and help Australian business owners fund equipment and cash flow needs with practical, clear guidance.
If you already have a quote, I can usually tell you fairly quickly what looks realistic and what the next best step is.
FAQs
Can you finance a used commercial oven?
Often yes, depending on the age, condition, supplier, and lender appetite.
Can you finance a combi oven?
Yes. Combi oven finance is one of the more common commercial oven finance requests.
Do I need a deposit?
Sometimes, but not always. It depends on the strength of the application, the asset, and the lender.
Can the supplier be paid directly?
In many equipment finance structures, yes, the supplier is paid directly once everything is ready.
Will applying hurt my credit score?
The aim is to give you a quick answer first before anything is formally submitted. If a submission is needed, that should be explained before proceeding.
Can you finance more than just the oven?
In many cases, yes. Some deals can include other commercial kitchen equipment as part of the overall structure.
Related resources
If you’re still weighing up what’s realistic, these pages may help:
How restaurant finance works and which options may suit your cash flow.
Used kitchen equipment finance
How finance usually works for second-hand kitchen equipment.
How finance works with used kitchen equipment finance (blog)
What to check before buying used equipment and how finance is commonly structured.
Why the restaurant is busy but still struggling with cash flow (blog)
Why busy venues can still feel cash tight, and what usually causes the pressure.