Used Kitchen Equipment Finance – Own It, Don’t Rent It
You’ve found the perfect equipment — now you just need the finance.
At Casey Asset Finance, we help cafés, restaurants, and catering businesses across Australia finance quality secondhand and used commercial kitchen equipment — even when the banks or other lenders say no.
100% free. No credit score impact. Takes under a minute.
Trusted by 40+ lenders Australia-wide.
🏆 Finalist – Lenders’ Choice Broker of the Year 2025 (Optimise)
Approval and timing subject to lender and applicant profile.
Why most lenders say no to used kitchen equipment - and Why We Say Yes
Traditional lenders often reject used or secondhand kitchen equipment because it’s harder for them to value or resell. But that doesn’t mean you can’t get it financed.
At Casey Asset Finance, we work with specialist lenders that understand how essential high-quality secondhand assets are for hospitality businesses. These lenders assess based on the condition, type, and resale value of the equipment — not just its age.
If the asset has a clear commercial purpose and good resale strength (for example, a combi oven, commercial dishwasher, or refrigeration unit), we can usually find a way to fund it.
Rent vs Own - What most business owners don’t know
Many hospitality businesses turn to rent-to-own providers because they believe finance isn’t available for used equipment.
But renting often means:
Higher total payments over time
No ownership at the end of term
Strict return conditions or penalties
Both options can offer lower repayments than renting — and the tax benefits remain similar.
(Tip: Owning your equipment can strengthen your business balance sheet and long-term borrowing power.)
With finance, you keep control. You can:
Choose between Finance Lease (Own it after the final residual)
Or Chattel Mortgage (own it from day one)
How used kitchen equipment finance works
Get pre assessed (5-min call)
We run a quick pre-check with no credit impact.
We match you with the right lender
Based on your time in business, turnover, equipment, and property status
Approval and settlement
One approved, funds are paid directly to the equipment supplier.
Own and operate
Depending on your finance, you’ll either own the asset now or later.
With rent to buy programs, many clients end up renting the equipment and never owning the asset.
What you can finance
We focus on larger, high-value kitchen equipment that keeps your business running efficiently and profitably:
Mid-Tier Assets (Commonly Financed)
Combi ovens
Commercial fryers & grills
Commercial dishwashers
Refrigeration units & display fridges
Freezers and blast chillers
Top-Tier Assets (Premium Installations)
Cooklines & steam ovens
Bakery mixers, dough rollers, and proofers
Coffee machines & grinders
Exhaust systems
Walk-in cool rooms
💡 If you can buy it and it’s essential to your kitchen, we can usually help you finance it.
Why business owners choose Casey Asset Finance
✅ We specialise in hard-to-finance assets that other lenders avoid.
✅ Fast pre-approvals — usually within 24 hours.
✅ Simple, guided process with one dedicated broker.
✅ Access to 40+ trusted Australian lenders.
✅ 100% free pre-assessment (no hidden fees or commitments).
We’re here to help you secure the right finance solution so you can grow, upgrade, and stay operational — without the stress.
Example Scenario - Café buys used griddles, fryers, and displays
A café owner in Melbourne was opening a second location and needed to replace a 2-year-old griddle, fryer, and salad display bar from a major kitchen equipment supplier.
The supplier only offered a popular rent-to-buy plan — which would have cost more than double over five years, with no ownership at the end.
Through Casey Asset Finance, the client financed all three pieces of used equipment under a chattel mortgage with a competitive fixed rate — saving more than double the cost, and also half the repayment amount — easing cash flow pressure.
The café owned every asset from day one, claimed the GST upfront, and had everything installed and operating within a week.
✅ Total savings: 100% costs over the same term
✅ Ownership from day one
✅ Tax-deductible interest and depreciation
Key Benefits
💸 Easier on cash flow — Almost always lower repayments than rent-to-buy options.
🚀 Flexible funding — No bank statements required for amounts up to $75,000.
📦 Supplier-friendly — We work closely with used equipment suppliers Australia-wide.
🌍 We see the big picture — We say yes to more used assets, more often.
🕒 Fast approvals — Most deals approved within 24 hours; our fastest being 1 hour.
Frequently Asked Questions
Can I get finance for used or secondhand equipment?
Yes. We work with specialist lenders who finance pre-owned commercial kitchen equipment every day. As long as it’s a genuine business purchase and the asset can be valued, we can help.
Can I finance equipment from a private seller?
Yes, in many cases. The seller will need to provide proof of ownership and a valid invoice or bill of sale.
Do I need to be an established business?
Some lenders prefer at least 6–12 months in business, but we can often help new start-ups with strong business experience or existing revenue.
What are the typical loan terms?
Usually between 24 and 60 months, depending on the equipment type, condition, and your business history.
Ready to finance used equipment?
Stop renting what could already be yours.
Find out how much you could save — with no credit score impact and no obligation.
100% free. No credit score impact. Takes under a minute.
Trusted by 40+ lenders Australia-wide.
🏆 Finalist – Lenders’ Choice Broker of the Year 2025 (Optimise)
Approval and timing subject to lender and applicant profile.
Compliance
Information on this page is general in nature and does not constitute financial advice. All applications are subject to lender approval criteria and verification of information provided.
