This calculator gives you an estimated monthly instalment only based on typical hospitality finance lease pricing. It’s designed to help you quickly sanity-check repayments before you commit. A formal quote and approval will always be confirmed by our team once we’ve reviewed your details against lender criteria.

No. Using the calculator and requesting a quote through this page does not impact your credit score. If you decide to proceed, we’ll talk you through the next steps first. A credit check would only be run with your consent as part of a formal application.

This type of hospitality finance is generally strongest for established venues such as cafés, restaurants, bars and takeaways that:

• Have been trading for at least 24 months

• Have regular business income flowing through a business bank account

• Are looking to spread the cost of fit-out or equipment over 2–5 years

If your business is newer or going through a lot of change, you can still reach out – we’ll let you know honestly what’s realistic before you spend time on a full application.

You’re welcome to use the calculator to get a feel for repayments, but in practice most lenders prefer a trading history for this product. If you’re a brand-new venture, we may need to look at other structures (for example, using directors’ strength or alternative products). The easiest way is to send through a quote request and we’ll tell you where you stand before anything goes further.

No. You don’t need a cash deposit or property as security for hospitality equipment leases. The asset and your trading history do most of the heavy lifting. Larger transactions or more complex situations may simply require bank statement assessment – but we’ll always outline anything out of field clearly in advance.

For straightforward hospitality deals, we can usually:

• Give you an accurate quote within about an hour during business hours, and

• Obtain a conditional approval within a few hours of receiving the required information.

Once approval is in place and documents are signed, funds are typically released to the supplier very quickly so your equipment can be delivered and installed without unnecessary delays.

Rent-to-buy can look attractive because the short term commitment – but over time it can be one of the more expensive ways to access equipment, especially if you keep the gear long-term.

This calculator is built around a hospitality finance lease, which is designed to give you clearer repayment structures and a defined pathway at the end of term. If you’ve been quoted a rent-to-buy option, using this calculator (and requesting a quote) is a simple way to see whether there may be a cleaner, potentially more cost-effective structure for the same equipment.

Often yes. Many hospitality lenders allow a portion of related costs such as installation, delivery, minor fit-out or software/licensing to be bundled into the same facility, within their limits. When you request a quote, just upload or describe the full supplier proposal and we’ll let you know how much can be included.

If you’re a supplier, this tool gives your customers a clear, non-pushy way to see repayments while they’re still in buying mode. Instead of guessing whether they can afford the equipment, they can run their own numbers and then request an obligation-free quote. That means fewer “I’ll think about it” moments and more customers who are genuinely ready to move forward.

Yes. You can safely send clients to this page or have them complete it while you’re with them. We treat you as the primary relationship:

• You stay front-and-centre with your client

• We handle the finance conversation in the background

• Our goal is to help your customer say “yes” to your proposal sooner

If you’d like, we can also note your business name on the enquiry so we always know which deals came from you.

Yes. You can safely send clients to this page or have them complete it while you’re with them. We treat you as the primary relationship:

• You stay front-and-centre with your client

• We handle the finance conversation in the background

• Our goal is to help your customer say “yes” to your proposal sooner

If you’d like, we can also note your business name on the enquiry so we always know which deals came from you.