Simplifying finance. Supporting service.
Finance for commercial hospitality equipment
Cooklines, refrigeration, warewashing and coffee — funded to your supplier so your cash stays in the business. Australian venues, one agreement, decisions in 24 hours.
- From $2,000
- Minimum finance
- 24 hours
- Typical decision
- Up to 84 mths
- Terms available
- No deposit
- For most approvals
Why fund it through RAF
Equipment on the floor without draining the float
Finance built into the purchase
You keep your working capital where it belongs — in stock, wages and marketing. We fund the asset, you repay it out of the trade it generates.
A supplier network we know
We settle directly with accredited hospitality suppliers and installers across Australia, so orders, delivery and commissioning stay on schedule.
Answers in hours, not weeks
Apply online in minutes. Most credit decisions land within 24 business hours, with settlement often same-day once documents are signed.
What we finance
Every category in the venue
Cooking & Bakery
Combi ovens, six-burner ranges, chargrills, fryers, salamanders, deck ovens and full cookline fit-outs.
Typically financed $8,000 – $120,000
Refrigeration & Cold Storage
Upright and underbench fridges, blast chillers, display cabinets, coolrooms and freezer rooms.
Typically financed $4,000 – $90,000
Food Preparation
Mixers, slicers, vacuum packers, bench systems, sous vide, portioning and processing equipment.
Typically financed $2,000 – $45,000
Dishwashers & Warewashing
Underbench and passthrough dishwashers, rack conveyors, glasswashers and waste handling.
Typically financed $3,500 – $60,000
Coffee & Beverage
Traditional and automatic espresso machines, grinders, water filtration, taps and post-mix systems.
Typically financed $6,000 – $50,000
Front of House & Fit-out
POS and ordering hardware, bar systems, joinery, furniture packages and signage.
Typically financed $5,000 – $250,000
The process
Four steps from quote to commissioning
- 01
Tell us what you need
Send through a supplier quote, an equipment list, or just a budget and a timeframe.
- 02
We structure the facility
Chattel mortgage, rental or lease — bundled into one agreement across multiple suppliers if needed.
- 03
Credit decision
Most applications are decided within 24 business hours. We come back with the rate, term and repayment.
- 04
We pay the supplier
Documents are signed digitally, we settle directly with your supplier and your equipment ships.
Brands we fund
We settle directly with accredited Australian suppliers and installers carrying the brands hospitality operators actually specify.
Common questions
Straight answers before you apply
Who can apply?
Australian businesses with an active ABN. Most lenders on our panel look for at least 6–12 months trading and GST registration for low-doc approvals; newer venues and first-time operators can still be funded with supporting financials or property backing.
What is the minimum amount you finance?
Equipment finance starts at $2,000 and runs into the millions for full venue fit-outs. There is no maximum for well-supported applications.
Do I need a deposit?
Usually no. Most approvals are structured with no deposit for established businesses. A deposit or trade-in can be used to lower repayments or strengthen a marginal application.
Can I bundle multiple items and suppliers together?
Yes. A cookline from one supplier, refrigeration from another and a coffee machine from a third can all sit in a single agreement with one repayment.
Request a callback
Tell us when suits and a hospitality equipment specialist will call. Mon–Fri, 8:30am – 6:00pm AEST.