Should I use Hire Purchase or a Finance Lease for a kitchen?

Both are common. Hire Purchase is often used for heavy, long-lasting items where you want ownership. A Finance Lease is popular for items that require regular upgrading or where you want to maximize tax deductions on the rentals.

Can I finance second-hand or refurbished kitchen equipment?

Yes, provided the equipment is being purchased from a reputable, recognized commercial catering dealer. Lenders are generally hesitant to fund private, peer-to-peer second-hand purchases.

What happens if the equipment breaks down?

The finance agreement only covers the funding of the asset. You remain responsible for maintaining and insuring the equipment. However, many suppliers offer maintenance packages that can sometimes be bundled into the monthly finance cost.

Can I finance the design and installation costs?

Yes. Specialist asset finance lenders will often allow a proportion of the "soft costs"—like design, plumbing, gas fitting, and extraction installation—to be included in the total finance package.

Hotel Kitchen Finance

Finance your hotel commercial kitchen

Name: Sorbus Finance
Address: Sunny Bank, 12 Albion Road, Chesterfield, Derbyshire, S40 1LJ, GB
Telephone: +441246383500

A modern, efficient commercial kitchen is the engine of a profitable hotel. Whether you are replacing a single combi-oven or funding a complete £100k+ kitchen fit-out, we arrange asset finance that spreads the cost and preserves your working capital.

Speak to an Adviser Hotel Finance Hub

Speak with Arran or Graham

1 to 5 years

Typical term

Lease & HP

Finance types

Tailored

Structure

150+

Lenders on panel

Smart funding for catering equipment

Independent broker with an extensive panel of 150+ UK lenders. No upfront fees.

Keep cash in the business

Commercial catering equipment is highly capital intensive. Asset finance allows you to install the equipment immediately for a low initial deposit, paying for it monthly out of the revenue the restaurant generates.

Tax efficient leasing

Finance lease rentals may receive tax treatment that differs from hire purchase. The right structure depends on your business and the asset, so you should confirm the accounting and tax position with your adviser.

Fund the complete installation

A kitchen isn't just ovens. We work with lenders who will include the cost of bespoke stainless steel fabrication, extraction canopies, walk-in cold rooms, and installation labour within the finance agreement.

Upgrade easily

Kitchen technology improves rapidly, especially regarding energy efficiency. Leasing makes it easier to upgrade to more efficient, modern equipment at the end of the term.

Kitchen equipment we finance

Specialist finance options to match your requirements.

Combi-ovens & ranges

Walk-in cold rooms & freezers

Commercial dishwashers

Extraction canopies & ventilation

Bespoke stainless fabrication

Fryers & grills

Ice machines & refrigeration

EPOS & ordering systems

Who you could speak to

Arran Turner

Managing Director

General commercial finance and how Sorbus works

Profile

Graham Nash

Commercial Finance Director

Business loans, cash flow and wider commercial funding

Profile

STEP 1
A conversation with a broker
You talk to a real Sorbus broker about the business, the purpose and what is affordable. No application at this stage.
STEP 2
Credit placement
If you choose to go further, we prepare the case and decide which lenders on our panel of 150+ are worth approaching.
STEP 3
Lender assessment
The lender, not Sorbus, underwrites and makes the credit decision. Approval is never guaranteed.
STEP 4
Documentation
If a lender offers terms and you accept, we help coordinate agreements and payout paperwork with you.

Every step after the first is optional. You can stop after the conversation. Sorbus is a broker, not a lender.

Client journey

Explore real client journeys

Read how real businesses approached a funding goal, what Sorbus arranged and what happened next.

Browse anonymised case studies

Enquire about Hotel Kitchen Finance

Start with a conversation

Tell us a little about what you need and who you would like to speak to. No obligation, no credit check at this stage. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm.

Your name *

Phone number *

Company name (optional)

New start-up (no company name yet)

Email address *

Who would you like to speak to? (optional)

Best time to talk (optional)

A preference, not an appointment. We pass it on where we can. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm. This is an aim, not a guaranteed callback time.

Your requirements

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We will use your details to respond to your enquiry. We may share information with our principal, lenders and service providers where necessary, or where required by law, as explained in our Privacy Policy. Marketing emails are optional and depend on your separate choice.

Prefer to call?

Speak directly to an adviser Monday–Friday, 9am–5:30pm.

01246 383500

Free call. No obligation.

Unique to Sorbus Finance

Optional: Business Finance Health Check

Before you approach lenders, understand your borrowing readiness with our free Business Finance Health Check, tailored for UK businesses.

Take the short Health Check

Free · No credit check · Not required before you talk

Want the full picture? The full fact-find is longer and also optional.

Email us anytime

hello@sorbusfinance.co.uk

Free tool

Know your lending position before you apply

The Business Finance Health Check scores your readiness to borrow, business resilience, and growth potential. Free, under 5 minutes, no obligation.

Run your free Health Check

Questions answered

Common queries about hotel kitchen finance.

Equip your chefs for success

Speak to a specialist broker about asset finance and leasing for your hotel commercial kitchen.

01246 383500 Hotel Finance Hub