Asset & Equipment Finance
Fast-food outlet scales capacity with Asset Finance
Background
A Pretoria-based fast-food outlet had built a strong customer base but struggled to keep up with demand during peak hours. The existing oven could only handle limited orders, slowing down service and frustrating customers.
The Challenge
- Demand exceeded production capacity
- A new deck oven cost R120,000 upfront — unaffordable in one go
- Delays risked customer satisfaction and long-term growth
The NiyaPay Solution
Through Asset & Equipment Finance, NiyaPay acquired the oven on behalf of the outlet and leased it back under an Ijārah (lease-to-own) agreement. The business made fixed monthly payments, with ownership transferring at the end of the term.
Results
- The outlet immediately increased daily capacity to 500+ pizzas.
- Additional revenue from increased sales comfortably covered repayments.
- The business gained an asset that directly drove growth, without straining cash reserves.
Outcome: the oven effectively paid for itself before the financing term ended, positioning the outlet for further expansion.