Middleby Financing | FS Foodservice Solutions

Your business depends on equipment that works, but paying everything upfront can drain your cash flow. With the Middleby Financing program from FS Foodservice Solutions, you can order now and pay over time, so you keep capital in your business.

Why Financing Makes Sense

• Preserve cash for operations. Don’t tie up your working capital in equipment, keep it for staff, inventory, or unexpected needs.
• Flexible terms. Choose options that match your business cycle, including deferred payments, revolving lines of credit, and early payoff options.
• Upgrade when you need it. Instead of holding off on new technology, you can add or replace equipment as you grow.
• Tax benefits. Many equipment financing plans qualify for tax deductions; talk to your tax advisor about what’s allowable for your business.
• Protect personal credit and assets. Most financing uses a UCC lien on the equipment, not on your personal property or other lines of credit.

How the Middleby Financing Process Works

1. Submit application online: just a few fields; simple process.
2. Review your options: we’ll present terms that fit your operation.
3. e-Sign the documents: fully digital and fast.
4. Funds released: so you can equip your kitchen without delays.

What You Can Finance

We support financing for Middleby’s full range: ovens, fryers, refrigeration, ventilation, and more. We also review your quote for soft costs (like installation, design, etc.) and let you know what’s eligible.

Who Qualifies / Credit Guidelines

• Typical minimum credit score: 550+
• Day one startups accepted
• Sometimes cosigners or additional documentation help strengthen the application
• Applying doesn’t obligate you; we’ll show you what you qualify for, and you decide if you want to move forward.

FAQs

Q: How does Middleby financing differ from a lease or loan?
A: It works like a lease in that you pay over time, but you often retain ownership of the equipment, and you avoid tying up capital. Financing your equipment allows you to keep cash on hand, or current lines of credit in tact, for operational expenses such as payroll, marketing, and food costs that can’t be financed. We have a wide range of program options to choose from such as finance-to-own programs, traditional loan products, revolving lines of credit, and deferred payment and early payoff options.

Q: Can I bundle multiple pieces of equipment?
A: Yes! You can finance anything from a single piece of equipment to your full buildout. Soft costs can be rolled in as well, so you have everything you need for one fixed monthly payment.

Q: Are there prepayment penalties?
A: Typically not. With FS Foodservice Solutions, early payoff options are available in many cases. With some programs, there is no penalty for paying off the agreement early, but there is not a huge risk either as finance agreements do not have a separation between interest and principal, so paying your balance off early provides little benefit. Your FS Account Executive will go over what you qualify and the structure of each option, if paying your agreement off early is something you anticipate, let them know that up front and they will work with our funding partners to find a a structure that best supports your plans.

Why FS Foodservice Solutions?

• Deep experience in foodservice and equipment finance
• Transparent, no hidden fees
• Wide funding networks to maximize your approval
• A partner that speaks foodservice operators’ language
• People over profit approach; you’re not just a number to our team and your goals are our goals

Ready to get started?

Learn more here or contact us at:
224-344-2910
info@fsfoodservicesolutions.com