Financing Available
Financing is available on most of our equipment.
A commercial oven is a serious purchase, and very few operators want to drain their cash reserves to make it. We work with an equipment financing partner so you can put the right oven in your kitchen now and pay for it over time, instead of buying a smaller machine than your operation actually needs.
You will see an estimated monthly payment on our product pages, right underneath the price. That number is there so you can do the math before you talk to anyone.
How it works
- Pick your equipment
Find the oven or equipment you need. Every product page shows an estimated monthly payment next to the price, so you know the number before you start an application.
- Apply online
The application is short and runs through Approve, our financing partner. You do not need to come into the warehouse or fax anything.
- Get a decision
Most applicants hear back quickly rather than waiting on a bank's timeline. If you are approved, you will see your available terms before you commit to anything.
- We ship it
Once financing is finalized we release the equipment. Same-day shipping on most products, and we deliver just about anywhere in the lower 48.
Why operators finance equipment
An oven is one line item. Hoods, refrigeration, prep tables, POS, inventory, payroll and the first few slow months all still have to be paid for. Financing the equipment leaves your cash where it is most useful.
A conveyor oven starts producing revenue the day it is installed. Matching the payments to that revenue is generally easier on a new location than writing one large check up front.
Financed business equipment may qualify for Section 179 or bonus depreciation. We are not accountants and this is not tax advice — ask yours what applies to your situation.
The most common regret we hear is buying a smaller oven than the operation needed. Financing usually removes that tradeoff.
Common questions
- What equipment can I finance?
- Financing is available on most of the equipment we sell — conveyor pizza ovens, rapid-cook ovens, Hobart mixers, refrigeration and prep tables included. If you are unsure about a specific unit, call us and we will tell you straight.
- Can I finance a reconditioned or remanufactured oven?
- Yes. Reconditioned equipment is most of what we sell, and it is financeable. Every oven we recondition is stripped to the frame, cleaned inside and out, rebuilt with brand new OEM parts, and backed by a parts and labor warranty.
- Does applying affect my credit?
- That depends on the financing partner's process and on how far you take the application. Ask us before you apply and we will point you to the current answer rather than guessing.
- I am a new restaurant with no business history. Can I still apply?
- Apply and find out. Startups are common in this industry and are evaluated differently than an established operation, but we cannot predict an underwriting decision. It costs you nothing to ask.
- Can I pay it off early?
- Early-payoff terms are set by the financing partner, not by us. Confirm the specifics before you sign so there are no surprises.
- Do you offer financing outside the United States?
- No. We ship throughout the lower 48 and our financing is for U.S. businesses.
Ask us about financing
Tell us what you are looking at and we will walk you through the options. If you would rather just talk to someone, call 281-224-8103.
Request a Fast Quote
Same-day pricing. Financing & leasing available. No obligation.
Financing is provided by a third-party financing partner, not by Southern Select Equipment. All financing is subject to credit approval and to the terms of your agreement with that provider. Rates, terms, and approval amounts vary by applicant and are disclosed by the provider during the application. Nothing on this page is an offer of credit, and nothing here is tax or financial advice.