Build Your Kitchen Without the Upfront Cost. Pay Later with SilverChef.

Zanduco has partnered with SilverChef to bring US restaurants and foodservice businesses a smarter way to access commercial kitchen equipment, without committing large capital upfront.

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What financing with Zanduco means for your business?

Preserve Working Capital

Upgrade your kitchen without pulling funds away from the parts of your business that need them most.

Tax Benefits

Your financing payments could work in your favor at tax time, worth a conversation with your accountant.

Quick Approvals

Most applications come back within 24 to 48 hours, so your plans don't have to sit on hold.

Low Monthly Payments

Choose a term between 12 and 60 months and lock in a fixed amount you can build your budget around.

Our Financing Programs

Most flexible

Rent-Try-Buy®

Ideal for new businesses or those testing a new concept.

12-month flexible agreement.
Low weekly payments.
Upgrade your equipment at any time.
Purchase the equipment and receive a 60% net rental rebate

Start Renting

Ownership focused

Lease-to-Own

Ideal for established businesses looking for long-term ownership.

Terms from 2 to 5 years.
Fixed monthly payments for easy budgeting.
Own the equipment at end of term
Small residual fee for full ownership

Start Leasing

Payment Calculator

Enter your total equipment cost below to see how affordable your weekly or monthly payments could be.

Here's How It Works

A process designed around how foodservice businesses operate.

Pick Your Equipment

Browse the Zanduco catalog and build your order, or ask our team for a tailored quote.

Submit Your Application

Fill out a short form through SilverChef, the whole thing takes about five minutes.

Start Cooking

Your equipment ships once approved. Payments begin on delivery, your bank account stays intact.

Why Businesses Choose Financing with Zanduco

"We needed a walk-in cooler before our busiest quarter. Buying outright wasn't realistic. This let us move fast without touching our reserves."

"SilverChef had us approved before I expected to even hear back. The whole thing felt designed for people who don't have time to chase paperwork."

"Trying the equipment first before deciding to own it was a completely different way of thinking about our kitchen. It took the pressure off a big decision."

"Having one predictable line item instead of a sudden capital hit made planning so much easier. Our accountant appreciated it too."

"What stood out was how clearly everything was laid out. We knew the full picture going in — the term, the payments, the buyout. Nothing came as a surprise."

Frequently Asked Questions

Is leasing or financing better for restaurant equipment?

It depends on your goals. Financing builds ownership equity with every payment and is typically more cost-effective for core equipment you plan to keep long-term. Leasing suits operators who want lower monthly costs, the ability to upgrade frequently, or who are not ready to commit to ownership. Rent-Try-Buy sits in between, giving you flexibility upfront with a purchase path built in.

Can I finance restaurant equipment with bad credit?

In many cases, yes. Because the equipment itself serves as collateral, lenders like SilverChef can often work with operators who have limited or imperfect credit history. Approval depends on multiple factors beyond your score, and options are available for both startups and growing businesses.

Can I use Section 179 to deduct financed equipment?

Potentially, yes. Section 179 of the IRS tax code may allow you to deduct the full purchase price of qualifying equipment in the year it is placed in service, even if you are making payments on it. Speak with your accountant to confirm what applies to your specific situation.

What documents do I need to apply?

SilverChef's application is straightforward and takes about five minutes. Requirements are light compared to traditional bank applications and you won't need extensive financial documentation to get started.

Do I need a down payment?

Not always. Many operators get started with little to nothing due upfront. Whether a deposit is required depends on your application and the equipment involved, and this is confirmed during the review process.

How fast can I get approved?

SilverChef typically returns a decision within 24 to 48 hours. That speed matters for operators replacing failed equipment or trying to get a new location operational on a tight timeline.

Can a brand-new restaurant qualify for financing?

Yes. Rent-Try-Buy is particularly suited to new concepts and first-time operators. It is a low-commitment entry point that gives you flexibility as your business finds its footing, without locking you into a long-term agreement from day one.

What types of kitchen equipment can I finance?

Most commercial kitchen equipment qualifies, including ovens, ranges, fryers, refrigeration, walk-in coolers, dishwashers, prep stations, ice machines, and more across Zanduco's full US catalog.

Is financing more expensive than paying cash?

Over the total term, yes. You pay more than the sticker price. But for most operators the trade-off is worth it. You keep cash working in the business rather than tied up in equipment, and the revenue the equipment generates helps offset the financing cost over time.

Can I swap equipment if my kitchen needs change?

With Rent-Try-Buy, yes. If your menu evolves, your volume increases, or a piece of equipment just isn't pulling its weight, you can swap it out during your agreement without waiting for the term to end.

Will I own the equipment at the end?

Under Lease-to-Own, title transfers to you at the end of your term after a small final payment. With Rent-Try-Buy, you have a purchase option at any point and up to 60% of your rental payments count toward the buyout price.

How does the 60% rental credit actually work?

It means your payments are not sunk costs if you decide to buy. Up to 60% of the net rental payments you have made can be applied toward the purchase price, so the longer you rent, the more buying power you build up.