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Hospitality Finance

Stop paying 30%+
on your kitchen.
Refinance from 13% p.a.

Most NZ restaurants and cafés are locked into high-rate equipment finance arranged at the time of fit-out — often 25–35% p.a. We arrange specialist refinancing that can cut that rate significantly and put thousands back into your cashflow.

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Rate comparison · $150K kitchen facility
Typical fit-out lender rate
30%+
vs
Fundme refinance rate
from 13%
Estimated interest saving
$25,000+
Over the loan term · indicative only
Rates from 13% p.a. subject to lender assessment and applicant profile. Individual results will vary. Indicative savings based on a $150,000 facility.
⚠️
Many NZ hospitality businesses don't know they can refinance their kitchen equipment. If your fit-out was financed more than 12 months ago, it's worth checking.

Who This Is For

Built for NZ hospitality businesses.

If your business has kitchen or fit-out equipment currently financed at a high rate, you could be a candidate for refinancing. We work with restaurants, cafés, bars, and catering operations across New Zealand.

Restaurants & Cafés

Kitchen fit-outs, commercial cooking equipment, refrigeration, extraction, and front-of-house assets financed at high rates.

Bars & Hospitality Venues

Bar equipment, cellar systems, audio-visual fit-outs, and hospitality infrastructure financed when the venue was built or upgraded.

Catering & Food Production

Commercial kitchen equipment, food production machinery, and catering assets currently sitting under a high-rate facility.

What Can Be Refinanced

If it's in your kitchen
or fit-out, we can fund it.

We also arrange finance for new fit-outs, upgrades, and equipment purchases — not just refinancing. Available to new and established hospitality businesses.

Commercial Cooking Equipment

Ovens, combi steamers, grills, fryers, induction cooktops, and cooking suites.

Refrigeration & Cold Storage

Walk-in cool rooms, underbench refrigeration, display fridges, and freezer units.

Extraction & Ventilation

Commercial extraction hoods, filtration systems, and kitchen ventilation infrastructure.

Coffee & Beverage Equipment

Commercial espresso machines, grinders, juice equipment, and bar machinery.

Bar & Front of House

Bar fit-outs, POS systems, cellar equipment, glassware display systems, and venue furniture.

Full Fit-Out Facilities

Complete kitchen and dining fit-outs, including mixed tangible and intangible assets from refurbishment projects.

How It Works

A straightforward process
from enquiry to settlement.

1

Check Eligibility

Tell us about your business and your existing equipment finance. We confirm whether refinancing makes sense — no credit check, no commitment.

2

Assessment

We assess your application using bank statements and business information. For amounts over $100K, financials may be required. We manage the paperwork.

3

Lender Approval

We submit to our specialist lender panel and negotiate on your behalf to secure the best available rate for your situation.

4

Settlement & Savings

Existing facility paid out, new lower-rate facility in place. The interest savings start immediately and flow directly into your cashflow.

Finance terms at a glance
Minimum facility
$10,000
Maximum facility
$500,000+
Loan term
1 – 5 years
Security
Equipment (not property)
New & established
Both eligible
Refinance & new finance
Both available
Rate
From 13% p.a.

Rates from 13% p.a. subject to lender assessment and applicant credit profile. Individual results will vary. All borrowers recommended to seek independent legal and financial advice before entering any credit contract.

The Numbers

What refinancing actually
means for your cashflow.

The difference between 30% and 13% isn't just a number — it's real money that stays in your business every month instead of going to a lender.

Every dollar saved on interest is a dollar available for wages, stock, marketing, or simply surviving a slow week. For a hospitality business operating on tight margins, that difference is significant.

Indicative savings · subject to lender assessment
$75,000 kitchen facility
Save ~$12,500+
Current rate
30%+
Fundme rate
from 13%
Saving ~$12,500+ over term
$150,000 kitchen facility
Save ~$25,000+
Current rate
30%+
Fundme rate
from 13%
Saving ~$25,000+ over term
$250,000 full fit-out
Save ~$40,000+
Current rate
30%+
Fundme rate
from 13%
Saving ~$40,000+ over term
Indicative only. Savings calculated on approximate interest differential over a 3-year term. Actual savings depend on facility balance, remaining term, and rate achieved. Individual results will vary.

FAQ

Common questions

Yes. If your kitchen or fit-out equipment is currently under a high-rate finance facility, we can arrange refinancing to a lower rate. The equipment acts as security for the new facility. We assess your business profile and the existing facility to confirm eligibility.
No. The equipment itself acts as the primary security for the loan. No residential or commercial property security is required.
Rates start from 13% p.a. for eligible applicants. Your actual rate depends on your business profile, credit history, facility amount, and asset type. We confirm your rate at approval — no surprises later in the process.
For facilities under $100K: application and bank statements. For facilities over $100K: application, bank statements, and financials (last year finalised accounts and current year management accounts). We guide you through the documentation requirements.
Yes. We arrange finance for new fit-outs and equipment purchases as well as refinancing existing facilities. Available to new and established hospitality businesses.
Most applications for amounts under $100K can be assessed same day with bank statements only. Larger amounts or more complex transactions may take 2–5 business days. We keep you updated throughout and move as fast as documentation allows.

Find out how much you could save.

Check eligibility in under 2 minutes. Tell us about your current facility and we'll give you an honest assessment of what refinancing could do for your cashflow.

Or email hello@fundme.nz

Still paying 30%+ on your kitchen?

A 10-minute conversation could save your business tens of thousands over the life of your facility.

Apply Now