Fish and Chip Shop Equipment Finance

Fish and chip shop equipment finance covers a new frying range or a complete shop refit on fixed monthly payments, so the cash stays in the business while the new range earns its keep.

From £1,000 with no upper limit
Decisions within 24 hours
Your choice of range and fitter

Price up your new range Speak to the team

Chips cooking in the baskets of a stainless steel frying range, the centrepiece of fish and chip shop equipment finance

Fish and chip shop equipment we fund

A new frying range is often the biggest purchase a chip shop makes, and frying range finance lets you include everything that goes with it on one agreement. Running a wider menu? See everything we finance.

Frying ranges

Gas and electric ranges in counter or island layouts, sized to your busiest service.

Extraction and ventilation

Canopies, ducting and filtration that keep the shop and neighbours happy.

Fridges and freezers

Fish fridges, freezers and display chillers for stock and drinks.

Refrigeration finance

Prep and chipping kit

Potato peelers, chippers, rumblers and batter mixers for the back room.

Shop refits and counters

Counters, seating, flooring and signage for a fresh look front of house.

EPOS and card machines

Tills, card readers and order screens that speed up the queue.

EPOS finance

Wider kitchen equipment

Ovens, pie cabinets and griddles for the rest of the menu.

Catering equipment finance

Delivery vehicles

Vans and scooters for local delivery rounds.

Vehicle finance

Battered fish and chips served in a basket with lemon wedges

From family chippies to restaurant chains

Takings change with the weather and the seasons, so we look for fish and chip shop equipment finance that sits comfortably alongside your trade.

Family fish and chip shops

Replacing a range after decades of use.

Fish and chip restaurants

Takeaway and sit down service together.

Seaside takeaways

Equipment ready for the summer rush.

New owners

Refits when taking over an existing shop.

Multi site operators

Ranges and refits across several shops.

Mobile fish and chips

Trailers and vans for events and markets.

Three ways to fund your shop

We will explain which way of funding your fish and chip shop equipment suits you, based on how long you plan to run the equipment and whether you want to own it. The National Federation of Fish Friers also offers training and support for independent shops.

Hire purchase

Spread the cost of the range and own it outright after the final payment, with the asset on your balance sheet from day one.

Best for frying ranges and extraction built to last.

How hire purchase works

Finance lease

Pay a fixed monthly rental for the equipment, which is usually treated as a running cost rather than a capital purchase.

Best for EPOS, fridges and front of house kit.

How a finance lease works

Sale and leaseback

Free up cash from equipment you already own and carry on frying as normal.

Best for funding a refit or a second shop.

How sale and leaseback works

From range quote to first fry

Fish and chip shop equipment can be financed while your range is being built, so the install date does not slip.

Step 1

Choose your range and fitter

Work with the manufacturer and installer you trust and send us the quote.

Step 2

Apply online

A short application covering your shop and trading history.

Step 3

Get a decision

We place the deal with our panel of over 200 lenders and reply within 24 hours in most cases.

Step 4

Sign and install

Sign electronically, the supplier is paid and your new range goes in.

Example: replacing a range and refitting the shop

An established family shop has a range that is costly to run and a counter area that has not changed in years. Paying for a new range and refit in one go would wipe out the shop's reserves just before the busy season.

Spread instead over five years, the shop closes for a short refit, reopens with a more efficient range and pays for it monthly out of takings.

That is the approach behind our work with Millers of Haxby. Rentals can often be set against profit, as explained in our tax relief guide.

Work out your payments

Range and refit package

Three pan counter frying range£42,000

Extraction canopy and ducting£11,500

Fish fridge and freezer£4,800

Counter, seating and signage£13,700

EPOS terminal and card reader£2,000

Total funded£74,000

Illustrative figures only. Your rate and monthly payment depend on your business, the equipment and the term you choose.

Trusted by frying range suppliers

Range manufacturers and installers send their customers to us because we place deals and keep everyone informed.

We've been working with Complete Leasing for many years and always found them to be helpful, professional and they have never failed to place our business. We would have no hesitation in recommending them to anyone.

Rob FureyFrying Solutions, Florigo

Supplier? See vendor finance

Shops we have helped fund

Real fish and chip businesses that spread the cost of their equipment with us.

Millers of Haxby

A fourth generation fish and chip restaurant and takeaway in York.

Read the case study

Come Fry With Me

Equipment from several suppliers to launch an event dining business.

Read the case study

Fish and chip shop equipment finance questions

If your question is not answered here, our full FAQs cover deposits, rates and eligibility.

Useful downloads

Fish and chip shop equipment brochure Benefits of leasing Leasing FAQs

Planning a refit before the holidays? Read about financing kitchen equipment ahead of busy periods.

Can I choose my own range manufacturer and fitter?

Yes. You pick the range and the installer, and we arrange the finance around their quote. One account manager looks after the finance from start to finish.

Can extraction and installation be included?

In most cases, yes. Extraction, gas work, removal of the old range and installation can usually go on the same agreement if they are on the supplier's quote.

I am buying an existing shop. Can I get finance?

Often, yes. Lenders will look at your experience and the shop's trading. If you are setting up from scratch, the GOV.UK guide to starting a food business covers registration and hygiene.

Can a used or refurbished range be financed?

Many lenders will fund refurbished ranges from an established supplier, although the term may be shorter than for a new range.

How long do agreements usually run?

Terms typically run from two to five years. A longer term lowers the monthly payment, so we match it to how long you expect the range to serve you.

What happens at the end of the agreement?

On hire purchase the equipment is yours once the final payment is made. On a finance lease you can usually carry on for a small rental or upgrade to new equipment.

Ready for your new range?

Tell us what you need and who is supplying it.

We will find the right lender and come back to you within 24 hours.

Get a quote Call 0191 250 1550