Let Your Equipment Pay For Itself
Outfit your commercial kitchen now and pay over time. We partner with trusted lenders so you can keep your cash working while your new equipment starts earning from day one.
Why Finance Your Restaurant Equipment?
Protect Your Cash Flow
Keep your working capital and credit lines free for payroll, inventory, and the unexpected. Spread the cost instead of paying it all up front.
Upgrade Now, Pay Over Time
Get the latest ovens, refrigeration, and prep equipment today and pay as your kitchen earns. Stay efficient and ahead of the competition.
Fast, No Bank Hassles
Skip the paperwork and long bank queues. Our partners offer quick online applications with decisions in seconds — not weeks.
Competitive Partner Rates
We work with financial partners who compete for your business, helping you secure cost-effective terms and low monthly payments.
Flexible Terms
From interest-free Net 30 to multi-year payment plans, choose the option that fits your budget and cash cycle.
Possible Tax Advantages
Many businesses can potentially deduct qualifying equipment costs under Section 179.* Ask your accountant how financing may benefit your annual budget.
Choose Your Financing Option
Two simple ways to finance your purchase with Chumart USA.
Equipment financing & leasing
- Match instantly with competing lenders — review up to 3 offers side by side and pick your favorite.
- Ideal for large equipment orders and full kitchen build-outs.
- Choose monthly payment plans that spread the cost over the life of your equipment.
- Quick 60-second online application using your business information.
- Options available for startups and challenged credit, subject to lender approval.
- Potentially deduct up to 100% of equipment cost under Section 179.*
Business line of credit — up to $50,000
- Net 30 terms — the first 30 days are interest-free, with no early-repayment fees.
- Need longer? Choose a repayment term of up to 12 months, with rates as low as 1% per month.
- Get a decision in seconds at checkout — checking your rate won't affect your credit.
- Reusable line of credit — buy equipment and supplies whenever you need them.
- No setup fees. Applying is a soft inquiry only.
- Typically requires a FICO of 600+, $40k+ annual business revenue, and no open bankruptcies or collections.
How It Works
Pick your option
Choose APPROVE for larger, longer-term financing or Credit Key for fast Net 30 and monthly terms.
Apply online
Complete a short application with your business details. It only takes a minute and won't hurt your credit to check.
Get approved
Receive a decision in seconds and review the terms available to your business.
Get your equipment
Complete your Chumart USA order and put your new equipment to work right away.
Not sure which option is right for you?
Our team is happy to help you find the best way to finance your kitchen. Reach out and we'll walk you through it.
Frequently Asked Questions
Does Chumart USA lend the money directly?
No. Chumart USA is not a lender. Financing and Net 30 terms are offered through our trusted third-party partners, APPROVE and Credit Key. You apply directly with them and they set your terms.
Will applying affect my credit score?
Checking your rate with Credit Key is a soft inquiry and does not affect your FICO score. APPROVE's pre-qualification is designed to match you with lenders with minimal impact; a lender may run a full credit check before final approval.
What is Net 30?
Net 30 means you have 30 days to pay for your purchase interest-free. Credit Key offers Net 30 terms with no early-repayment fees, and you can extend to a longer monthly plan if you prefer.
Which option should I choose?
Credit Key is great for fast approvals, a reusable line of credit, and interest-free Net 30 on everyday orders up to $50,000. APPROVE is better suited to larger equipment purchases and full build-outs where you want to spread payments over a longer term.
Can I still finance if I'm a new business or have less-than-perfect credit?
Possibly. APPROVE works with multiple lenders, including options for startups and challenged credit. Approval and terms are always subject to the lender's criteria.
*Chumart USA is not a financing entity and does not offer direct financing to customers. The Net 30 terms and financing offers mentioned are potential financing or leasing opportunities through third-party partners. These options are provided for informational purposes only; Chumart USA does not endorse or guarantee specific terms or rates. Customers should conduct their own research and engage directly with our partners to fully understand the terms of any financing or leasing option. For tax-related matters, including Section 179 specifics, customers should consult their own accountant or financial advisor. Chumart USA does not provide accounting services or advice.