New to equipment leasing? Don't know where to begin? Download our Free Guide to Chip Shop Leasing.

Chip Shop Equipment Finance

chip-shop-financeThe UK chip shop sector is seeing a surge of interest, with new shops starting up and existing premises being refurbished and re-opening. New technology and energy-efficient chip shop equipment is expensive to purchase, so leasing facilities can be a real advantage in staying ahead of your competitors.

Johnson Reed’s dedicated team of chip shop equipment finance advisors also works closely with trade associations including the National Federation of Fish Fryers (NFFF), the Catering Equipment Suppliers Association (CESA) and the European Network of Supplies and Equipment (ENSE). So we understand your needs as well as having considerable knowledge of the chip shop equipment market.

Read some of our Chip Shop Finance case studies

As a recent example of our service, we sourced a chip shop equipment finance leasing facility for a new-start shop. We financed £50k of new and refurbished equipment and the client invested £15k. Other examples include established shops replacing fire-damaged equipment with no-deposit finance, and other clients asking us to help them with new energy-efficient equipment.

It’s easy to provide superficial finance facilities that may look very attractive, but at Johnson Reed we go that one step further. We take the time to fully understand your business, your management capabilities and your future. We then build those observations into the decision making process. We underwrite using a common sense attitude, resulting in flexible finance to suit you.

We are supported by over 30 lenders to spread the load, which creates acceptable ways to manage any risk. At Johnson Reed the answer is almost always ‘yes’ to chip shop equipment finance requests.

See some of our Chip Shop clients

We're really proud of our work within the Chip Shop sector, and we love showing off the clients we have helped. Take a look below and see for yourself.

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We can help you get equipment leasing for...

Whether you are looking to finance a single item of equipment or an entire refit of your premises, we promise to react quickly and access our panel of independent funders to get you answer as soon as possible. It doesn't matter to us whether you are an established business or a brand new one, we will do our very best to provide you the same great level of service.

We can help you get finance for:

  • Ranges
  • Counters
  • Chippers
  • Fish fridge
  • Peelers
  • Catering equipment
  • EPOS

What are the main benefits of equipment leasing?

We offer all forms of finance but we believe the greatest benefits in most situations are offered by leasing, here's why:

  • Increase your profitability — You can conserve your working capital and put it to use in other more profitable ways
  • Help your cash flow — Have the equipment you need now without affecting your companies cash reserves
  • Afford the best quality — Get the very latest equipment, don't cut corners, tomorrows technology today
  • Pay as you use — You can pay for the equipment as its used and spread the cost through its working life, i.e. over three to five years
  • Tax allowable — Rentals are fully tax deductible, so why not take advantage of this?
  • Upgrade equipment — Get the benefit of new equipment by simply upgrading the equipment or extending its current usage
  • Plan your budgets — FD's love to know repayments are fixed
  • Simple direct debit — One rental can include all equipment and ancillary costs i.e. consultancy, installation, training and maintenance
  • Keep your credit lines intact — Leasing does not affect any of your existing credit lines

What are the tax benefits of using leasing?

One of the great things about using leasing for your catering equipment is the tax-efficient way in which you can borrow the equipment. Simply offset the cost of leasing against your tax bill, and at the end of the fixed term you own 100% of the equipment! Due to the nature of leasing, your fixed repayments will mean you can spend your precious cash on other areas of your business.

Find out more about tax-efficient leasing

What is the process for getting leasing?

The process for getting equipment leasing is quite straight-forward, and includes the following steps:

  1. Finalise the kit specification with the client
  2. Johnson Reed will secure the credit from their panel of lenders
  3. Johnson Reed will provide invoicing instructions to the reseller
  4. The paperwork is signed by the client
  5. Delivery is arranged by the equipment reseller
  6. Payment of the invoice is made upon authorisation of satisfactory delivery
  7. The contract begins

Find out more about why you should choose leasing

What if I want to sell this type of equipment?

Concentrating on your core activities and outsourcing other responsibilities to the right specialists can improve your offer to your customers and help you sell more, more often.

We have a proven track record of securing vendor finance for equipment re-sellers, vendors & suppliers in many different sectors.

Find out more about selling equipment with Johnson Reed


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  • We were delighted that we only had to provide limited information. We are hands-on people and Mark came to the location and could also see the potential. I am delighted with the help Johnson Reed provided and we will be using Mark and Johnson Reed for our next location, which is already in development.

    Andrew Beeches Chip Shop

  • We were recommended to Johnson Reed and we’ve found them to be competitive, professional and they offered a fast turnaround. They’ve also made it easier for us by explaining in full our end of lease options in advance of signing. There are no nasty surprises at the end of the period, which we had with our previous loan company.

    Banayiotis Zeniou Fylde Fish Bar

  • Great service, nice to come across a company that understands the sector and how to underwrite quickly.

    Salty’s Fish and Chip Shop

  • I found Johnson Reed to be most helpful when securing my finance, for the purchase of equipment for my new shop. The timescales were tight but in the end everything was completed on time and I would not hesitate to use Johnson Reed again.

    Mark The Whiddon Fryer

  • The service I got from Johnson Reed was spot on. They were willing to look at my situation in a much more favourable light than a lot of the high street banks would have done – they were not interested in my personal prospects and, because it was a new business, they just wouldn’t lend to me.

    Stuart Mok

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Free Guide to Chip Shop Leasing

Whether you are a new start or existing business in the chip shop industry, read our new finance guide.

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Free Guide to Chip Shop Leasing

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Latest Chip Shop Case Studies

A fast route to fryer finance for Sam’s Fish Bar

September 10, 2018 by Johnson Reed

Even with two profitable outlets, lenders were steering clear of financing fish and chip shop Sam’s Fish Bar. But having grown wise to alternative solutions, co-owner Navjit Chatha knew where to go instead, helping his family enterprise move on to their... Continue reading

Sunny’s new Plaice in Heckington

December 18, 2017 by Lottie Buckley

The Singh family have enjoyed success as a multi-site operator, occupying sites in Lincoln city centre and its surrounding towns and villages, including Bourne, Bardney and Sleaford. The latest chapter has seen the thriving business take a different direction,... Continue reading

Q&A with the NFFF

December 8, 2017 by Lottie Buckley

The NFFF is dedicated to raising standards within the industry through offering training at their Academy based near Leeds, in addition to self- study qualifications and the NFFF Quality Award - a scheme rewarding shops that provide top quality fish and... Continue reading Read More Chip Shop Case Studies

Have a Question? Get in touch!

Do you have any questions about financing your equipment? Send us a message below and we will get in touch.

Clients we have worked with in this sector

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