Hospitality Equipment Finance for Cafe & Restaurant Owners
One pack, one broker — equipment, fitout, vehicle and cashflow placed with the right lender. No bank paperwork. No runaround.
Switchboard Finance · Credit Representative 576702 · Finsure ACL 384704
We know the bank doesn't understand a quiet Tuesday, seasonal swings, or why your BAS doesn't tell the full story. That's why this pack exists.
Which One Is You?
Three situations. Three different paths.
Why Us
Same cafe. Two very different conversations.
Real Example
A 45-seat cafe in Fitzroy. 18 months trading.
Owner needed a new espresso machine, a partial fitout refresh, and a working capital buffer for the quiet winter months.
What we structured — three facilities, three lenders, placed where the fit was strongest.
6 months of bank statements, ABN, driver's licence, and their cafe lease agreement. No tax returns. No accountant letter. The first lender we approached didn't fit the ABN history — so we pivoted to a specialist who works with 12-month-plus businesses. Approved two days later.
Enquiry on Monday. Pre-approval on Wednesday. Settled on Friday. Every deal is different — this shows how a pack works when everything's placed with the right lender.
Getting Started
What you'll need to get the conversation going.
One broker. Every lender that matters.
The Pack
What's included — explore deeper.
Each category links to a dedicated page with more detail. Open the ones that matter to you.
Lenders assess your turnover, not your tax returns. If you're trading and your bank statements tell a clear story, we can usually get the ball rolling without a mountain of paperwork.
The things that turn a shell into a venue. We place fitout finance with lenders who understand that a cafe renovation isn't a speculative purchase — it's an income-generating asset.
We can structure it as a chattel mortgage, hire purchase or lease depending on what suits your tax position and cashflow.
Lump sum when you need it fast, or an ongoing line of credit you draw on when cashflow dips. We place each with the lender whose appetite matches your trading pattern.
Get Started
Tell us where you're at. Three clicks.
This isn't a form — it's the start of the conversation.
Common Questions
We don't charge you upfront fees — we get paid by the lender when your deal settles. The cost of each facility depends on the amount, term, and lender. Before you commit to anything, we'll give you exact repayment figures so you know what you're looking at week by week. No surprises.
We'll call you within 24 hours. The conversation takes about 10 minutes. We'll ask what you need, check your ABN history, and tell you straight if we can help. No credit check at this stage. No obligation. If it's not a fit, we'll tell you — and point you somewhere better if we can.
No. There's no credit check to enquire. We only run credit when we have a specific lender and deal structure — and we'll always tell you before that happens. We place your deal with the right lender first to minimise unnecessary enquiries on your file.
Potentially. Some lenders work with low doc pathways from 6 months ABN if you've got a clear trading pattern and decent turnover in your bank statements. We'll tell you straight what's realistic before you waste time.
Yes. The pack is flexible. You can stage settlements and add new equipment finance, a second vehicle or a bigger cashflow line without restarting from scratch. We keep your file active so the next conversation is faster.
Ready to sort your cafe finance?
One call. One broker. Everything placed with the right lender.
We'll call you within 24 hours. The conversation takes about 10 minutes. We'll ask what you need, check your ABN history, and tell you straight if we can help. No credit check. No obligation. If it's not a fit, we'll tell you.
Switchboard Finance · Credit Representative 576702 · Finsure ACL 384704 · General information only. Not financial advice.