Finance & Leasing
Finance & Leasing for Commercial Catering Equipment
Spread the cost of your commercial kitchen investment while keeping cash flow under control. Preserve capital, upgrade or open kitchens sooner, and combine supply, installation, and maintenance from one trusted partner.
- Spread the cost of full kitchen projects or individual items
- Preserve working capital and manage cash flow
- Combine with supply, installation and maintenance from one partner
At a glance
- Full kitchen fit-outs and refurbishments
- Key equipment upgrades and replacements
- Cold rooms and refrigeration systems
- Individual items or complete installations
Finance arranged via trusted third-party providers. Subject to status and terms.
Overview
Flexible Finance Solutions for Your Commercial Kitchen
Investing in commercial catering equipment requires significant capital. Finance and leasing options provide an alternative pathway, enabling businesses to access high-quality equipment whilst managing cash flow effectively.
Commercial kitchen equipment represents a substantial investment. Whether you're opening a new restaurant, refurbishing an existing kitchen, or upgrading specific equipment, upfront purchase costs can strain cash flow and limit your ability to invest in other business priorities.
Finance and leasing arrangements allow you to spread equipment costs over time with predictable monthly payments. This approach preserves working capital for day-to-day operations, marketing, staffing, or expansion whilst still providing access to professional-grade equipment that meets your operational needs.
Arch Catering & Refrigeration works alongside trusted, regulated finance partners who specialise in commercial equipment finance. We coordinate the entire process from equipment specification and quotation through to installation and ongoing support. Finance terms, approval decisions, and rates are subject to status and are handled by our regulated finance partners in accordance with their standard processes.
Manufacturer Finance
Manufacturer Finance – Arranged Directly Through Us
All Hobart and Foster finance enquiries are handled in-house by our team. Simply submit your enquiry below and we'll send you the relevant finance PDF and full details directly.
Hobart – Interest-Free Purchase Plans
Spread the cost of your Hobart equipment with interest-free finance. Contact Arch Catering to request the full Hobart finance PDF — we'll send it directly and guide you through the process.
- 12 or 24 month interest-free repayment options.
- One month's deposit followed by equal monthly payments.
- Option to include installation and extended warranty.
- Monthly payments start only after delivery/installation is complete.
- Finance provided by ITW Leasing & Finance, authorised and regulated by the FCA.
Foster – Interest-Free Credit & Leasing
Foster (and Gamko) offer flexible credit and leasing options for refrigeration equipment. Get in touch with Arch Catering to receive the Foster finance PDF and we'll walk you through your options.
Interest-Free Credit
- 12 or 24 month interest-free options.
- Simple 3-step process from quote to delivery.
- Often no deposit required, subject to credit approval.
- Option to include installation and extended warranty in the payments.
- Optional 3-month payment holiday with the balance spread over the remaining term.
Leasing
- Lease over 3 or 5 years, from single products to full suites.
- Payments typically 100% tax deductible.
- Usually 3 months' deposit then monthly direct debit after installation.
- End-of-term options: return the equipment or pay a fixed fee to continue using it.
Finance & Leasing Options
Choose the Right Solution for Your Business
Arch supplies, installs and maintains commercial catering equipment nationwide. We work with trusted finance providers to offer flexible options that help you spread costs whilst preserving working capital. Each option can be combined with our ongoing maintenance plans.
Lease Rental
Spread the cost of your kitchen equipment with fixed monthly payments whilst keeping cash flow under control.
- Fixed monthly payments make budgeting straightforward
- Option to upgrade equipment at the end of the term
- Ideal for new restaurant openings, hotel kitchens, or expanding operations
Hire Purchase
Spread the cost whilst working towards full ownership of your equipment over time.
- Own the equipment outright once payments are complete
- Fixed monthly costs help with long-term planning
- Perfect for upgrading key equipment lines or cold room projects
Short-Term Rental
Access equipment for shorter periods without long-term commitment, perfect for seasonal needs or trying before you buy.
- Flexible terms to match your operational needs
- Ideal for seasonal demand, temporary projects, or staff catering upgrades
- Can be combined with Arch's maintenance plans for complete peace of mind
Bespoke Structured Packages
Custom finance arrangements designed around your specific project, combining equipment supply, installation and ongoing maintenance.
- Tailored to your project timeline and budget requirements
- Combines equipment finance with Arch's supply, installation and maintenance services
- Ideal for large-scale fit-outs, care home kitchens, or school catering upgrades
How It Works
Simple, Streamlined Process
Arch handles equipment specification, quotes and coordination. Finance is arranged through regulated third-party providers who manage applications and decisions independently.
Initial Conversation & Site/Kitchen Plans
We discuss your kitchen requirements, site plans, and operational needs. Arch handles equipment specification and provides guidance on suitable finance options that work for your venue.
Equipment Specification & Finance Illustration
You receive detailed equipment specifications and a finance illustration from Arch. Our regulated finance partner provides the finance terms, whilst we coordinate equipment quotes and project planning.
Application & Decision via Finance Partner
If you choose to proceed, the finance application is handled directly by our regulated third-party finance provider. They manage credit checks and make approval decisions independently.
Delivery, Installation & Ongoing Support
Once approved, Arch handles equipment delivery, professional installation, commissioning, and staff training. Ongoing maintenance plans can be built into your overall solution where appropriate.
Initial Conversation & Site/Kitchen Plans
We discuss your kitchen requirements, site plans, and operational needs. Arch handles equipment specification and provides guidance on suitable finance options that work for your venue.
Equipment Specification & Finance Illustration
You receive detailed equipment specifications and a finance illustration from Arch. Our regulated finance partner provides the finance terms, whilst we coordinate equipment quotes and project planning.
Application & Decision via Finance Partner
If you choose to proceed, the finance application is handled directly by our regulated third-party finance provider. They manage credit checks and make approval decisions independently.
Delivery, Installation & Ongoing Support
Once approved, Arch handles equipment delivery, professional installation, commissioning, and staff training. Ongoing maintenance plans can be built into your overall solution where appropriate.
Finance is arranged via trusted third-party providers and is subject to status, terms and conditions.
Benefits
Why Consider Finance & Leasing?
Finance options combined with Arch's equipment supply, professional installation, and ongoing maintenance create a complete solution that protects cash flow, reduces breakdown risk, and maintains kitchen uptime.
Preserve Working Capital
Keep cash reserves available for day-to-day operations, marketing, and staffing whilst accessing professional-grade equipment. Arch handles supply, installation and maintenance, reducing the risk of costly breakdowns that impact revenue.
Predictable Monthly Costs
Fixed monthly payments make budgeting straightforward and align with revenue patterns. Combine finance with Arch's planned maintenance to create a single predictable monthly outlay that protects your kitchen uptime.
Upgrade to Higher Efficiency
Specify energy-efficient equipment that reduces running costs and improves kitchen performance. Professional installation by Arch ensures optimal operation, whilst ongoing servicing maintains efficiency and reduces downtime.
Reduce Breakdown Risk
Combine finance with Arch's planned preventive maintenance to protect your investment. Regular servicing reduces unexpected failures, minimises disruption to service, and helps maintain consistent guest experience.
Complete Service Package
Arch provides equipment supply, professional installation, commissioning, and ongoing maintenance. Finance enables you to access this complete solution whilst preserving cash flow for other operational priorities.
Multi-Site Support
Finance options can support equipment upgrades across multiple locations. Arch coordinates supply, installation and maintenance across sites, ensuring consistent standards and reducing operational complexity.
Example Scenarios
Real-World Applications
See how finance and leasing options work in practice for common commercial kitchen scenarios.
New Restaurant and Hotel Kitchen Fit Out
Popular for new openingsOpening a new restaurant requires substantial upfront investment in kitchen equipment, hood & extraction systems, and cold storage. Finance options allow you to equip your kitchen with professional-grade, energy-efficient equipment whilst preserving capital for fit-out, marketing, and initial operating costs.
- Arch provides design support, equipment supply, professional installation, and planned maintenance to ensure service continuity and minimise downtime.
- Finance spreads equipment costs over time, avoiding large upfront spend and aligning payments with revenue as covers build up.
- Outcome: Reliable kitchen operation, improved energy efficiency, and happier guests with consistent service quality.
Care Home Kitchen Upgrade
Ideal for care facilitiesAgeing equipment in a care home kitchen can compromise food safety and resident comfort. Regulatory compliance and reliability are critical, but replacement costs can be challenging to fund from annual budgets.
- Arch supplies modern, compliant equipment, handles installation with minimal disruption to meal services, and provides ongoing maintenance to ensure reliability.
- Finance options spread costs across manageable monthly payments, avoiding large capital outlays and aligning with care home budgeting cycles.
- Outcome: Improved food safety, reliable meal service, enhanced resident comfort, and full compliance with care standards.
School or College Refurbishment
Perfect for educationSchool kitchens face high-volume service demands during term time and exam periods. Outdated equipment struggles with capacity and energy efficiency, whilst budgets are often tight and tied to academic year cycles.
- Arch designs solutions for high-volume service, supplies durable equipment, coordinates installation during school holidays, and provides term-time maintenance support.
- Finance aligns payments with academic budgets and term-time revenue patterns, spreading costs without impacting other educational priorities.
- Outcome: Efficient high-volume service, reduced energy costs, reliable meal provision during busy periods, and improved student dining experience.
Not sure which option fits your project? Talk to our team.
Frequently Asked Questions
Common Questions About Finance & Leasing
Find answers to common questions about financing commercial catering equipment.
We work with trusted, FCA-authorised third-party finance providers. We handle equipment specification, supply, installation, and ongoing maintenance. Our finance partners handle all lending, credit assessments, approval decisions, and payment processing. This separation means you get independent equipment advice and access to finance options. All finance is subject to status, terms and conditions.
Finance is arranged via third-party providers authorised and regulated to provide credit. Full terms are available on request.
Client Testimonial
"Simon and all the team at Arch Catering, have been supplying us here at Stevenage Football Club, over the last couple of years and have provided us with outstanding product knowledge, competitive pricing and first-class customer service. Highly recommended."
Dave Hoskins
Head of Commercial — Stevenage Football Club
Ready to Explore Finance & Leasing Options?
Discuss your equipment needs and explore finance solutions tailored to your business. Initial conversations are confidential and non-binding.
Finance is arranged through trusted third-party providers and is subject to status, terms and conditions. Full details available on request. Rates and approval decisions are made independently by finance providers based on their standard assessment criteria.