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Finance


Start Living Your Dream Today 

We have your equipment funding sorted.

Silver Chef is Australia's only dedicated hospitality equipment funding solution. Since its inception in 1986, it has helped more than 25,000 customers, from start-up cafes to large restaurants and hotels, to realise their business dreams.

Silver Chef has provided hospitality equipment financing for 30 years. We understand the obstacles and opportunities facing the industry every day. And we have seen businesses fail within two years of starting up due to lack of capital.

Silver Chef's Rent-Try-Buy® funding solution has changed the game, allowing small businesses to procure equipment without having to make a large capital outlay. Instead of wasting your hard-earned capital on depreciating assets, you can spend it on things that grow your venture, like product development and marketing. It just makes good business sense.

How Silver Chef Works

1. Apply for Funding

Silver Chef backs potential and approves 96% of applicants, most of the time within 24 hours. You can apply either with one of our team members or directly with Silver Chef by phone or online at silverchef.com.au/apply

2. Choose Your Equipment 

Silver Chef partner with a large network of equipment dealers nationally. If you haven’t yet chosen a dealer, we can put you in touch with one suited to your equipment needs.

3. Get Your Equipment 

Once approved, your equipment dealer will finalise your transaction and arrange delivery. For all applicants, a 6 week refundable security bond is required.

4. 12 Month Rental Agreement

Rent-Try-Buy® is a 12 month agreement that lets you try before you buy. During this time you can:

  • Upgrade at any time. For example, if your 2 Group coffee machine isn’t keeping up with your orders, replace it with a 3 Group and pay the difference in weekly payments.
  • Purchase at any time. Once you know the equipment is right, you have the option to purchase. You’ll receive a 75% net rental rebate on your payments to date.

5. Weekly Rental Payments 

Save your working capital with low weekly payments that – being a rental agreement – are 100% tax deductable* as well as off-balance sheet, meaning it won’t affect your ability to borrow for future expansion.

At 12 months you can choose to:

1. Easy Own®

If you want to work towards equipment ownership, take advantage of our Easy Own® product. Enjoy a 30% discount on your weekly payments on a 36 month contract or a 15% discount on your weekly payments on a 24 month contract.


2. Continue to Rent

If you want to keep your options open, continue renting the equipment and the purchase price will continue to drop with each weekly payment. Alternatively, you can commence a new 12 month agreement with the same flexible options as the first 12 months but with a 10% discount on your weekly payments.


3. Return

If you’ve decided the equipment no longer suits your needs, simply return it with no further obligation.


4. Purchase

If after 12 months you know the equipment is right for you and you’re in a financial position to pay out, you have the option to do so. You’ll receive a 75% net rental rebate on your payments made in the first year.

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