Catering Extraction System and Equipment Finance

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    Purchasing commercial extraction systems and extraction equipment for your business can be quite costly, especially with larger projects. If you would like to explore the option of spreading the cost by leasing over a period of time rather than purchasing everything up front we can help by exploring the UKs most competitive business finance and leasing deals 

    We work with all of the UK’s leading extraction equipment manufacturers suppliers and can arrange business finance and leasing products for very best extraction systems and equipment

    Commercial catering extraction equipment

    • Canopies are designed to remove harmful fumes (carbon monoxide gasses) & the removal of heat & grease generated from cooking equipment situated below.
    • Hidden combustion loads form. Also flames or very high temperatures within the duct can ignite any grease causing a fire.

    We can arrange finance on all makes and models of :

    • Extract Canopies / Extract Hoods.
    • Condense only canopies.
    • Internal ductwork.
    • External plant
    • Ventilation ductwork
    • Gas interlock systems
    • Extractor fans
    • Canopy extraction filters
    • Carbon cell filter systems
    • Make-up air systems
    • Heat recovery systems
    • Odour control systems

    Suitable for dishwasher applications with no extract ventilation.

    Whether you require a complete new commercial kitchen extraction system or are just thinking about a few new pieces of extraction equipment our equipment finance team will always be happy to hear from you by phone or online.

     

    Commercial Kitchen Extraction Systems Finance

    Running a successful commercial kitchen in the UK comes with a unique set of challenges.
    From meeting strict health and safety regulations to ensuring staff work in a comfortable and productive environment,
    one of the most important investments a foodservice business must make is a commercial kitchen extraction system.

    At Gable Asset Finance, we specialise in helping restaurants, hotels, caterers, schools, hospitals,
    and food manufacturers acquire these essential systems without the burden of large upfront costs.
    By offering flexible finance and leasing solutions, we make it possible for businesses of all sizes
    to install, upgrade, or replace their kitchen ventilation equipment while maintaining healthy cash flow.
    Whether you require a small extractor fan above a single cooking line or a large-scale air handling unit (AHU)
    with ducting that spans multiple floors, we can tailor a finance package to your needs.

    Why Commercial Kitchen Extraction Matters

    Commercial kitchens generate vast amounts of heat, steam, smoke, grease-laden air, and odours.
    Without effective extraction, these elements quickly build up, creating uncomfortable and unsafe working conditions.
    Extraction systems are not a luxury – they are a legal requirement under several UK regulations,
    including the Health and Safety at Work Act 1974,
    the Workplace (Health, Safety and Welfare) Regulations 1992,
    and the Gas Safety (Installation and Use) Regulations 1998.

    Failure to provide adequate ventilation can result in prosecution, fines,
    or even closure notices from environmental health officers.
    This makes investing in a reliable extraction system a non-negotiable priority for any commercial kitchen operation.

    Challenges of Upfront Investment

    The problem many businesses face is that commercial extraction systems are expensive.
    Even a modest setup for a small restaurant can run into tens of thousands of pounds once you factor in:

    • Extractor canopies
    • High-powered fans
    • Ducting and air vents
    • Grease filtration systems
    • Gas interlock systems (mandatory with gas cooking equipment)
    • Professional installation and crane lifting for large AHUs

    For larger venues, such as hotels, event centres, or industrial food production sites,
    the costs can be considerably higher.
    Paying for this upfront is simply not an option for most businesses that need to keep working capital available
    for staff wages, inventory, and day-to-day operations.

    How Finance Can Help

    This is where kitchen extraction finance and leasing comes in.
    Rather than paying the entire cost in one go, finance allows you to spread payments across a fixed term.
    This ensures your business can install the system it needs right away,
    without depleting reserves or disrupting cash flow.
    Our solutions include:

    • Hire Purchase (HP): Make monthly payments and own the equipment outright at the end of the agreement.
    • Finance Leasing: Spread the cost while retaining flexibility to upgrade or replace equipment later.
    • Operating Leasing: Pay for the use of the system over its useful life, often with maintenance included.
    • Sale and Leaseback: Release cash tied up in existing extraction equipment by selling it and leasing it back.

    Each option has its own advantages, and at Gable Asset Finance we work closely with you to identify
    the right structure for your business.
    Whether you want to own your extraction system at the end of the term or prefer maximum flexibility with upgrades,
    we provide transparent, competitive packages designed around your goals.

    Supporting Every Type of Commercial Kitchen

    Our finance services are not limited to one type of business.
    We provide extraction system finance for:

    • Independent restaurants and takeaways
    • Multi-site hospitality groups
    • Hotels and resorts
    • School and university canteens
    • Hospitals and healthcare providers
    • Industrial food processing plants
    • Event venues and catering companies

    No matter the size or complexity of your kitchen,
    we can work with your chosen contractor and equipment supplier to arrange funding quickly and efficiently.
    We have financed everything from compact low-velocity ventilation units to large-scale AHUs
    that required crane lifting and sectional installation on rooftops.

    Your Finance Partner in Kitchen Ventilation

    With more than 20 years of experience in equipment finance,
    Gable Asset Finance has built a reputation as a trusted partner for UK businesses.
    We understand the specific challenges faced by the foodservice and hospitality sector,
    and our role is to take the financial strain out of upgrading critical equipment like extraction systems.
    By choosing us, you benefit from:

    • Access to competitive rates compared with supplier finance
    • Tailored repayment schedules, including seasonal payments
    • Options to finance both new and used systems
    • Fast approval and minimal paperwork
    • Dedicated support throughout the agreement

     

    Why Commercial Kitchen Extraction Is Essential

    Every commercial kitchen in the UK, from small cafés to large-scale food production plants,
    is legally required to have a properly designed and maintained extraction system.
    These systems serve multiple critical functions, protecting staff, customers, and the business itself.
    Below we outline the main reasons why investing in commercial kitchen extraction is essential
    and how Gable Asset Finance helps businesses acquire these systems without the financial burden of large upfront costs.

    1. Legal Requirements

    The UK has some of the strictest health and safety laws in Europe when it comes to commercial kitchens.
    Legislation that directly affects extraction requirements includes:

    • The Health and Safety at Work etc. Act 1974: Employers are legally required to provide a safe working environment for employees. Poor ventilation violates this requirement.
    • The Workplace (Health, Safety and Welfare) Regulations 1992: These regulations mandate that workplaces, including kitchens, must be adequately ventilated with fresh or purified air.
    • The Gas Safety (Installation and Use) Regulations 1998: Any kitchen using gas appliances must have a gas interlock system linked to its extraction fan. If the fan fails, the gas supply is automatically shut off.
    • Building Regulations Part F: Covers general ventilation requirements for commercial premises.
    • Food Standards Agency (FSA) Hygiene Standards: Adequate ventilation is a key component in passing hygiene inspections and maintaining a safe food preparation environment.

    Failure to comply with these laws can result in heavy fines, legal action, loss of licenses,
    or enforced closure by Environmental Health Officers (EHOs).
    For many businesses, the financial damage of non-compliance far outweighs the cost of financing an extraction system.
    By choosing finance options from Gable Asset Finance, businesses can remain compliant
    without needing to delay installation due to budget concerns.

    2. Health and Safety Benefits

    Beyond legal requirements, the primary purpose of kitchen extraction systems is to protect staff and customers.
    Commercial kitchens produce a range of hazards, including:

    • Grease-laden air: Tiny particles of oil from frying accumulate in the air. Without extraction, these settle on surfaces, increasing slip hazards and reducing cleanliness.
    • Carbon monoxide and combustion fumes: Gas and charcoal cooking appliances produce harmful fumes that must be extracted to avoid serious health risks.
    • Excessive heat: Kitchens without adequate ventilation often reach unsafe temperatures, causing heat stress and fatigue among staff.
    • Steam and moisture: These contribute to mould growth, structural damage, and poor air quality if not properly removed.

    An effective extraction system ensures that dangerous particles and gases are safely removed from the working environment.
    This not only protects staff but also reassures customers that food is being prepared in a hygienic and safe environment.
    Ultimately, it reduces absenteeism, boosts staff morale, and increases productivity.

    3. Fire Prevention

    One of the biggest risks in any kitchen is fire.
    Grease particles in the air quickly accumulate inside ductwork, where they can ignite if exposed to flames or extreme heat.
    According to UK fire services, poorly maintained extraction systems are a major cause of commercial kitchen fires.
    Fire damage not only risks lives but also causes enormous financial losses through downtime,
    repairs, insurance claims, and reputational harm.

    Modern extraction systems use high-quality grease filters that capture oil particles before they enter the ducting.
    Regular maintenance ensures that filters and ductwork remain clear, minimising fire risk.
    Financing these systems through Gable Asset Finance allows businesses to install
    the most advanced fire-safe equipment without having to compromise due to cost.

    4. Comfort and Efficiency

    Running a busy kitchen is physically demanding work. Without proper extraction,
    heat, steam, and smoke make the environment unbearable, especially during peak service times.
    Uncomfortable conditions can lead to high staff turnover, low morale, and reduced efficiency.
    Extraction systems improve the overall atmosphere, making it easier for chefs and staff to focus on delivering
    a high-quality dining experience.

    For front-of-house areas with open kitchens, extraction is also crucial for customer comfort.
    Nobody wants to dine in a smoky, greasy environment. Effective ventilation ensures a pleasant atmosphere
    throughout the premises, boosting customer satisfaction and encouraging repeat business.

    5. Food Quality and Hygiene

    Another overlooked benefit of proper extraction is its role in food quality and hygiene.
    Smoke and odours from one cooking process can easily contaminate other dishes if not removed quickly.
    Moisture in the air can encourage bacterial growth and compromise food safety.
    By ensuring consistent airflow and odour removal, extraction systems help maintain the highest possible standards
    of hygiene and product quality.

    6. Reputation and Compliance Audits

    Food businesses in the UK are subject to regular hygiene audits,
    with results displayed publicly via the Food Hygiene Rating Scheme.
    Ventilation is a key factor in these inspections.
    A poor rating can deter customers, damage your reputation, and reduce profitability.
    By financing a compliant extraction system, businesses protect their brand
    and position themselves as trustworthy, professional operators.

    Real-World Example

    Consider a mid-sized independent restaurant in Manchester that was struggling with poor ventilation.
    The owners faced multiple complaints from staff about heat and smoke,
    and Environmental Health had warned them of potential action if improvements weren’t made.
    The cost of a new extraction canopy, ducting, and fans was quoted at £45,000 — more than the business could afford upfront.
    Through hire purchase finance arranged by Gable Asset Finance,
    the restaurant spread payments over five years, kept monthly instalments affordable,
    and immediately improved working conditions.
    As a result, they passed their next hygiene inspection with flying colours,
    reduced staff turnover, and even saw an increase in customer bookings thanks to improved dining conditions.

    This example highlights how commercial kitchen extraction isn’t just a regulatory requirement —
    it’s a direct investment in staff wellbeing, food safety, and long-term profitability.
    By spreading the cost with finance, businesses gain access to modern systems without putting pressure on cash reserves.

     

    Key Components of a Commercial Kitchen Extraction System

    An effective commercial kitchen extraction system is made up of several interconnected components.
    Each plays a vital role in removing hazardous air, controlling temperature, and ensuring compliance with
    UK safety regulations. At Gable Asset Finance, we regularly arrange finance for
    businesses needing individual components or complete systems.
    Below we break down the key elements and explain their importance.

    1. Extraction Canopies

    Also known as ventilation hoods, extraction canopies sit directly above cooking appliances such as
    fryers, grills, ovens, and ranges. Their purpose is to capture rising heat, steam, smoke,
    and grease particles before they spread throughout the kitchen.
    There are several different types of canopies used in commercial kitchens:

    • Wall-mounted canopies: Installed against a wall, covering appliances aligned along the kitchen perimeter.
    • Island canopies: Positioned above appliances in the centre of the kitchen, ideal for open-plan or theatre-style cooking.
    • Condense canopies: Designed to manage steam and moisture from dishwashers and combination ovens.

    Canopies are typically made from stainless steel for durability and ease of cleaning.
    They also house grease filters to trap oil particles before air enters the ductwork.
    Financing canopy systems ensures businesses comply with hygiene standards while improving safety and efficiency.

    2. Fans

    Fans are the heart of any extraction system. They provide the power to draw contaminated air
    from the canopy and push it through ducting to the outside atmosphere.
    The size, speed, and type of fan will depend on the kitchen layout and volume of cooking output.
    Key options include:

    • Centrifugal fans: Provide strong airflow and are often used for high-grease environments.
    • Axial fans: Common in smaller installations where air resistance is low.
    • Belt-driven fans: Typically used in large commercial kitchens where higher power is required.

    An underpowered fan can compromise the entire extraction system.
    Through finance agreements, kitchens can install fans sized correctly for their needs,
    ensuring effective ventilation and compliance with regulations.

    3. Grease Filters

    Grease filters are essential components located inside canopies.
    Their job is to capture grease and oil particles before they can enter the ductwork.
    Without filters, grease deposits build up quickly, leading to fire hazards and
    expensive cleaning requirements. There are several types of filters:

    • Baffle filters: The most common type, designed with interlocking baffles that trap grease while allowing air to flow.
    • Mesh filters: Lightweight and cost-effective, though they require more frequent cleaning.
    • High-efficiency filters: Designed for kitchens with heavy frying operations, capturing finer particles.

    Regular filter cleaning and replacement is vital. Many finance agreements arranged by
    Gable Asset Finance can include maintenance packages,
    helping businesses spread the cost of servicing alongside equipment repayments.

    4. Ducting

    Ducting is the network of metal channels that carry contaminated air from the canopy
    to the exterior of the building. Ducts must be professionally designed to ensure air flows efficiently,
    avoiding back-pressure or leakage. Poorly designed ducting can result in odours escaping into dining areas,
    or even structural damage due to condensation.
    Key considerations for ducting include:

    • Material: Galvanised steel or stainless steel is typically used for durability.
    • Fire resistance: Ducting must meet fire safety standards to contain flames in the event of a fire.
    • Insulation: Prevents condensation forming inside ducts and improves energy efficiency.
    • Access panels: Installed for easy cleaning and maintenance of internal surfaces.

    Because ducting can represent a significant proportion of system cost, financing it through
    an affordable repayment plan makes sense for many hospitality and catering businesses.

    5. Air Replacement Systems

    Effective extraction systems don’t just remove air — they must also replace it.
    Without an air replacement system, a vacuum effect can develop,
    causing doors to slam shut or smoke to leak into dining areas.
    Replacement systems ensure a steady flow of fresh, filtered air into the kitchen,
    balancing pressure and creating a comfortable working environment.

    Options include make-up air units and air handling units (AHUs),
    both of which can be financed through Gable Asset Finance.
    These are particularly important in larger operations such as hotel kitchens,
    school canteens, or food manufacturing plants.

    6. Gas Interlock Systems

    For any kitchen using gas appliances, a gas interlock system is a legal requirement.
    This system ensures that gas flow is automatically cut off if the extraction fan fails,
    preventing dangerous fumes from building up. Interlocks are directly linked to fan operation
    and are inspected regularly during compliance checks.

    The cost of installing gas interlock systems can vary depending on kitchen size and layout,
    but they are non-negotiable under UK law. Financing options allow businesses
    to remain compliant without straining their budgets.

    7. Fire Suppression Systems

    While not technically part of extraction, many modern canopy systems integrate
    fire suppression systems. These use nozzles positioned within the canopy
    to release fire-retardant chemicals if flames are detected.
    This protects staff, equipment, and the building from catastrophic fire damage.

    Insurance companies increasingly expect fire suppression systems in high-volume kitchens,
    such as those in hotels, fast-food chains, and large restaurants.
    Through asset finance, these life-saving systems can be included in a comprehensive
    ventilation package without upfront capital expenditure.

    Integrated Systems and Scalability

    Modern extraction systems are often modular, meaning components can be upgraded or scaled
    to suit changing business needs. For example, a small café might start with a wall canopy
    and axial fan, then expand to a full island canopy and air replacement unit as it grows.
    With flexible finance solutions from Gable Asset Finance,
    businesses can scale their systems over time, upgrading without financial disruption.

    Case Study: Expanding a Hotel Kitchen

    A four-star hotel in Birmingham recently underwent an expansion to its catering facilities.
    The project required a complete extraction system including multiple island canopies,
    a central air handling unit, and a gas interlock system for its new gas ovens.
    The total cost exceeded £120,000.
    Instead of paying upfront, the hotel partnered with Gable Asset Finance
    to arrange a lease agreement spread over seven years.
    This structure aligned with the hotel’s seasonal cash flow,
    enabled them to preserve working capital for other renovations,
    and ensured they remained compliant with all UK safety regulations.

    By the end of the lease, the hotel had the option to upgrade the system to a newer,
    more energy-efficient model — a flexibility that outright purchase would not have provided.

    Financing Options for Commercial Kitchen Extraction Systems

    Purchasing and installing a full commercial kitchen extraction system can represent a
    significant capital investment. Costs can range from a few thousand pounds for a
    basic canopy and fan system to more than £150,000 for large-scale hotel or institutional kitchens.
    Rather than paying in full upfront, many UK businesses use financing options to spread the cost,
    align repayments with revenue, and preserve working capital.
    At Gable Asset Finance, we specialise in structuring
    finance agreements tailored to your business, whether you are a start-up café,
    an established restaurant group, or a contract caterer.

    Why Finance Your Extraction System?

    Choosing finance instead of an outright purchase delivers several advantages:

    • Preserve cash reserves: Keep capital available for staff wages, stock, or marketing rather than tying it up in equipment.
    • Spread the cost: Make predictable monthly repayments instead of a single lump-sum outlay.
    • Tax efficiency: Depending on the finance type, repayments may be deductible as a business expense or qualify for capital allowances.
    • Access the latest technology: Upgrade to modern, energy-efficient systems without being locked into outdated equipment.
    • Improve cash flow: Match repayment schedules to your trading cycle, especially important for seasonal businesses such as seaside restaurants and holiday parks.

    Types of Finance Available Through Gable Asset Finance

    1. Hire Purchase (HP)

    Hire purchase is one of the most popular ways to acquire commercial kitchen extraction systems.
    Under HP, you pay an initial deposit (usually 10–20% of the system value) followed by fixed
    monthly instalments over an agreed term, typically 2–7 years.
    Once the final payment is made, ownership of the equipment transfers to you.

    Advantages of Hire Purchase:

    • You ultimately own the extraction system outright.
    • Fixed payments make budgeting straightforward.
    • Capital allowances may be available, reducing your corporation tax liability.
    • No risk of rental increases or repossession if payments are maintained.

    Example:
    A busy fish and chip restaurant in Blackpool needed a £40,000 high-capacity canopy and
    ducting system to comply with local environmental regulations.
    Gable Asset Finance arranged a hire purchase agreement with a 15% deposit and
    monthly repayments over 5 years. The predictable cost structure allowed the restaurant
    to maintain cash flow while planning for eventual equipment ownership.

    2. Finance Leasing

    Finance leasing allows your business to use an extraction system over a fixed period
    while making regular lease payments. Ownership remains with the leasing company,
    but at the end of the term you may have options to upgrade, continue leasing, or
    make a small final payment to transfer ownership.

    Advantages of Leasing:

    • No large upfront deposit required.
    • Lease payments are usually treated as an operating expense, reducing taxable profits.
    • Gives flexibility to upgrade equipment at the end of the term.
    • Ideal for businesses where technology is rapidly evolving.

    Example:
    A chain of London-based burger restaurants required upgraded canopy systems across
    five sites to cope with higher output. Gable Asset Finance structured a 4-year lease
    arrangement allowing the company to spread costs evenly,
    and provided an upgrade option at the end of the lease.
    This allowed the chain to expand without draining cash reserves.

    3. Operating Lease (Rental)

    An operating lease (also known as rental) is similar to finance leasing,
    but the term is typically shorter and the responsibility for maintenance and servicing
    may remain with the equipment supplier. This option is popular with smaller kitchens
    that may wish to avoid long-term commitments or who want a fully serviced solution.

    Advantages of Operating Leases:

    • Lower monthly costs compared to purchase or finance lease.
    • Often includes servicing and maintenance as part of the agreement.
    • Can be treated as a fully deductible operating expense.
    • Flexibility to upgrade or return the system at the end of the rental period.

    Example:
    A new start-up café in Bristol chose an operating lease for a £12,000 canopy and fan system.
    The monthly rental payments included routine filter replacement and servicing,
    giving the owners peace of mind while keeping overheads predictable.
    After 3 years, the café had the option to either return the equipment,
    extend the rental, or upgrade to a new system.

    4. Business Loans for Extraction Systems

    In some cases, businesses prefer to take out a secured or unsecured business loan
    to fund the purchase of an extraction system. With this option, you purchase the
    equipment outright and repay the loan over time.
    Gable Asset Finance works with a panel of lenders to arrange loans at competitive rates.

    Advantages of Business Loans:

    • Immediate ownership of equipment.
    • Flexible repayment terms to suit your cash flow.
    • Option to consolidate multiple equipment purchases into a single loan.
    • Suitable for businesses seeking full control over their assets.

    Example:
    A Midlands-based care home operator secured a £70,000 business loan
    through Gable Asset Finance to install new canopies, fans, and ducting across three sites.
    The loan was structured over 6 years with fixed monthly repayments,
    allowing the operator to standardise systems across all locations and benefit from
    economies of scale.

    5. Refinance of Existing Equipment

    If your business has already invested in an extraction system outright,
    you may still be able to unlock value through refinancing.
    This involves selling the asset to a finance company and then leasing it back,
    providing an immediate cash injection while allowing you to continue using the system.

    Advantages of Refinancing:

    • Release tied-up capital from owned assets.
    • Improve cash flow without disrupting operations.
    • Funds can be used for expansion, marketing, or working capital.
    • Flexible repayment terms based on asset value.

    Example:
    A Glasgow-based contract caterer refinanced its £55,000 extraction system
    installed two years earlier. By working with Gable Asset Finance,
    the company unlocked £35,000 in working capital while continuing to use the system under a leaseback arrangement.
    The funds were reinvested in marketing and staff recruitment,
    helping the business secure new contracts.

    Tailored Solutions by Business Type

    Gable Asset Finance recognises that different sectors face unique challenges.
    We offer sector-specific solutions, such as:

    • Restaurants & Takeaways: Finance aligned with daily cash flow cycles, often with seasonal adjustments.
    • Hotels & Leisure: Large-scale systems financed over longer terms, often integrated into wider renovation projects.
    • Schools & Care Homes: Affordable repayment plans designed to fit within public sector or charity budgets.
    • Food Manufacturing: Flexible finance for high-capacity extraction linked to industrial processes.

    Case Study: Seasonal Repayment Plan for a Coastal Restaurant

    A seafood restaurant in Cornwall required a £25,000 canopy and air replacement system to
    replace an outdated installation. The restaurant experienced highly seasonal trade,
    with 70% of revenue generated between May and September.
    Gable Asset Finance arranged a seasonally adjusted lease with higher
    repayments during peak summer months and lower payments in winter.
    This structure matched the restaurant’s cash flow perfectly,
    ensuring affordability without financial strain.

    Sector-Specific Applications of Commercial Kitchen Extraction Finance

    At Gable Asset Finance, we understand that every industry has unique requirements
    when it comes to commercial kitchen extraction systems. From small takeaways to
    multi-site hotel chains, from schools to food manufacturers, each sector has its own
    budgeting challenges, regulatory obligations, and cash flow patterns.
    Our tailored finance solutions ensure that all types of organisations can install
    the right extraction systems without financial strain.

    Restaurants and Takeaways

    Restaurants and takeaways represent one of the largest groups of businesses
    requiring extraction system finance. Regulatory compliance is strict, especially in
    densely populated urban areas where odour and noise complaints can quickly escalate.

    • Challenges: High upfront equipment costs, managing cash flow, and ensuring compliance with local planning rules.
    • Solutions: Leasing and hire purchase with flexible repayment terms aligned to daily cash flow. Seasonal adjustment options are also available for seaside or holiday-focused takeaways.

    Case Study:
    A kebab shop in Manchester required a £15,000 extraction canopy with
    advanced grease filtration to comply with environmental health rules.
    Gable Asset Finance arranged a 3-year hire purchase agreement with
    affordable monthly instalments. Ownership passed to the shop at the end,
    ensuring long-term compliance without draining capital.

    Hotels and Hospitality Venues

    Hotels, conference centres, and large hospitality venues often require
    complex, multi-zone extraction systems. These may include
    low-velocity air systems for dining areas and high-capacity units for
    banqueting kitchens. Installation frequently involves crane lifting and
    modular assembly of air handling units (AHUs).

    • Challenges: Large-scale investments (often £50,000+), project management complexity, and integration with refurbishment or expansion plans.
    • Solutions: Long-term lease finance with the option to upgrade at the end of the term, or loans structured alongside other fit-out works.

    Case Study:
    A four-star hotel in Birmingham refurbished its kitchens with a £120,000
    ventilation and extraction project. Gable Asset Finance arranged a 7-year finance lease,
    spreading the cost and bundling it with catering equipment finance.
    The structured approach allowed the hotel to complete renovations without disrupting
    cash reserves needed for marketing its relaunch.

    Schools, Colleges, and Universities

    Education sector kitchens—whether in school canteens, colleges, or
    university catering halls—must maintain excellent air quality for both staff
    and students. These projects are often governed by budget constraints
    and tender processes.

    • Challenges: Limited annual budgets, procurement regulations, and compliance with health and safety law.
    • Solutions: Operating leases or structured rental agreements, often designed to fit within academic year budgeting cycles.

    Case Study:
    A comprehensive school in Kent upgraded its extraction system as part of a
    £30,000 canteen refurbishment. Gable Asset Finance structured an
    operating lease with payments spread across the school’s annual budget.
    This allowed compliance without requiring large capital expenditure approval.

    Care Homes and Healthcare Facilities

    Care homes and healthcare providers need reliable, compliant extraction
    systems to maintain food safety and protect vulnerable residents or patients.
    These environments often require low-noise systems to ensure comfort.

    • Challenges: Protecting residents, working within tight margins, and meeting local authority environmental standards.
    • Solutions: Hire purchase agreements with minimal deposits and predictable payments, ensuring affordability for small operators.

    Case Study:
    A care home group in the North East required extraction upgrades across
    three sites. Gable Asset Finance arranged a multi-site loan facility,
    consolidating costs and spreading repayments over 6 years.
    The upgrades were completed without affecting operational budgets for care delivery.

    Food Production and Manufacturing

    Food processing plants and manufacturers of ready meals, baked goods,
    or chilled foods often operate on an industrial scale. Extraction systems
    here must handle heavy grease and high air volumes.
    Failure to comply with hygiene standards can lead to major penalties
    or shutdowns.

    • Challenges: Very high investment requirements (sometimes exceeding £250,000), operational downtime during installation, and strict environmental compliance.
    • Solutions: Asset finance with bespoke repayment terms, often linked to production cycles. Refinance of existing machinery can also release capital to fund ventilation projects.

    Case Study:
    A food production factory in Yorkshire installed a new £200,000
    air handling system to meet updated hygiene rules. Gable Asset Finance
    structured a blended solution: £120,000 on a finance lease, £80,000
    released via refinancing of existing machinery.
    This dual approach allowed the project to proceed without cutting
    into the company’s operational budget.

    Event Caterers and Mobile Kitchens

    Mobile catering units, event caterers, and festival food operators also
    require extraction systems, often compact and portable. Financing helps
    operators spread costs across their busy seasons.

    • Challenges: Highly seasonal income, need for compact systems, frequent relocation.
    • Solutions: Seasonal hire purchase agreements or short-term rentals aligned to event calendars.

    Case Study:
    A mobile pizza operator financed a compact canopy and extraction
    fan system through a seasonal repayment plan.
    Payments were higher during summer festival months and reduced
    over the quieter winter period, matching cash inflows perfectly.

    How Gable Asset Finance Tailors Solutions for Each Sector

    No matter the industry, our team at Gable Asset Finance works
    closely with business owners, contractors, and equipment suppliers
    to design finance packages that address sector-specific challenges.
    Whether you’re a family-run takeaway, a large hotel chain, or a
    public sector organisation, our brokerage model gives access to a wide
    panel of UK lenders, ensuring the most competitive terms.

    By combining industry knowledge with flexible structuring options,
    we provide solutions that reduce financial barriers, improve compliance,
    and keep kitchens operating safely and efficiently.