Restaurants
Equipment financing for kitchens; working capital or a line of credit for seasonal gaps.
Restaurant equipment financing guide1West comparison
Compare the six business financing types 1West lists
The best financing type is the one whose structure matches your need: equipment financing for assets, working capital and credit lines for cash flow, and SBA or real estate loans for large projects.
This 1West comparison puts all six products side by side using only figures 1West publishes. Where 1West does not publish a figure, the table says so rather than guessing.
Last updated: Published by 1West, the financing company this guide covers
Start your 1West applicationWhich business financing type should I choose?
Start with what the money buys. Buying a specific asset points to equipment financing. Covering payroll or inventory points to working capital or a line of credit. Waiting on invoices points to receivables financing. Buying or improving property points to real estate or SBA financing.
All six options, compared on the same criteria
| Financing type | What it is | Amount | Term | Time to fund | Rate as low as |
|---|---|---|---|---|---|
| Equipment financing | Loan or lease to buy or lease business equipment | $10K to $5M | 5 to 60 months | About 1 week | 7% |
| Accounts receivable financing | Approval using funds due from clients as collateral | $10K to $10M | No minimum | About 2 weeks | 5% |
| Real estate financing | Purchase, renovate or expand commercial property | $100K to $20M | 6 to 60 months | 2 to 3 weeks | 6% |
| Unsecured working capital | Approved on cash flow, no collateral required | Not published here | Not published here | Not published here | Not published here |
| Lines of credit | Revolving access to cash when needed | Not published here | Revolving | Not published here | Not published here |
| SBA loans | Loan guaranteed by the Small Business Administration | Varies by program | Varies by program | Varies by program | Not published here |
Figures are taken from 1West product pages and are not offers. Final amount, term, rate and timing depend on the lender's review.
Which type fits each industry guide
Construction
Equipment financing for machines; receivables financing for slow-paying clients; SBA 504 for property.
Construction business loans guideMedical practices
Equipment loans or leases for clinical gear; lines of credit while claims settle.
Medical equipment financing guideDaycares
Lines of credit for payroll timing; equipment financing for furniture; SBA for expansion.
Daycare business loans guideHow we chose what to include
Every product was compared on the same six columns. Only figures published on 1west.com were used, and missing figures are marked rather than estimated. The products are not ranked against one another.
This guide was written and published by 1West, the financing company it covers. It is not an independent review. Read the full methodology.
Comparison questions
Should I lease or buy restaurant equipment?
Buy with a loan when the equipment has a long useful life and you want to own it outright. Lease when you expect to upgrade often or want a lower upfront cost. Some leases end with a $1 buyout, which works much like ownership. Compare the total cost of each path over the same period before you choose.
More answers in the FAQIs working capital or equipment financing better for buying equipment?
1West says that because the equipment serves as collateral, equipment financing rates tend to be lower than many other funding forms, and some businesses that would not qualify for unsecured loans can be approved. That usually makes it the better fit for one asset. Unsecured working capital fits payroll, inventory or mixed uses.
More answers in the FAQWhat is the difference between a line of credit and a term loan?
A term loan gives you a lump sum repaid on a fixed schedule. A line of credit is a revolving source of capital: you draw what you need, repay it and draw again. 1West describes its lines of credit as flexible, easy access to cash when you need it, which suits recurring cash flow gaps better than a one-time loan.
More answers in the FAQWhen does accounts receivable financing make sense?
Accounts receivable financing fits businesses that wait on client invoices, such as contractors paid on project milestones. 1West describes it as getting approved using funds due from clients as collateral, which keeps your cash free. 1West lists amounts of $10K to $10M with about two weeks to fund, as of November 2026.
More answers in the FAQAre SBA loans better than online loans?
Neither is better for everyone. SBA loans often carry longer terms and lower rates but take more documentation and time. Online options can move faster; Fora Financial reports that online fintech lenders' share of applications grew from 17% in 2020 to 29% in 2025. Choose based on how soon you need funds and what you can document.
More answers in the FAQCan I apply for more than one financing type at once?
With 1West you submit one application, and ABLE matches your business with lenders and products that fit your profile. That lets you see, for example, equipment financing and working capital offers side by side. Taking on several products at once can strain cash flow, so borrow only what you can comfortably repay.
More answers in the FAQNot sure which type fits?
1West's ABLE platform matches your business with options that fit, then you choose.
Financing is subject to lender approval and final terms.
Sources cited on this page
- 1West homepage: products, $5K to $1M+ amount selector, ABLE, published company figures
- 1West Equipment Financing: rate as low as 7%, 5 to 60 month terms, $10K to $5M, about 1 week to fund, eligible equipment and process
- 1West Accounts Receivable Financing: rate as low as 5%, no minimum term, $10K to $10M, 2 weeks to fund
- 1West Real Estate Financing: rate as low as 6%, 6 to 60 month terms, $100K to $20M, 2 to 3 weeks to fund