Annabelle,

If you're credits "OK" as you say you might look into leasing the equipment. Many of the manufacturers and distributors offer leasing on capital equipment. You can check with GE Capital or the hundreds or thousands of others out there that handle leasing.

Imagine a banker trying to sell a fryer or grill if you were to default, and banks hate financing for restaurants and gas-stations. The failure rates in restaurants is very high which scares the daylights out of tradional bankers.
Good luck
Denny