COMMERCIAL REFRIGERATION
Commercial refrigeration financing and leasing
Refrigeration is the equipment a food business cannot run a day without. We finance commercial refrigeration for businesses when the order comes to $10,000 or more: walk-in coolers and freezers, display cases, rack systems and industrial refrigeration, new or used, with installation on the same agreement.
One refrigerator, or a bigger order?
Transactions start at $10,000, and a single reach-in refrigerator usually costs less than that. One reach-in on its own does not qualify. This is financing for businesses, and we do not finance household refrigerators.
A walk-in with its installation, a set of display cases, or a reach-in bundled with other restaurant or store equipment qualifies when the total comes to $10,000 or more. Refrigeration is often bought that way, alongside an ice machine, a cooking line or a store refit.
What we finance
New or used, from any dealer, auction or private seller. Named makes are examples of what this covers, not a limit, and we are not affiliated with any manufacturer. If what you need is not on this list, ask.
- Walk-in coolers and freezers — Kolpak, Bally, Nor-Lake, Master-Bilt, plus panels, doors and remote condensing units
- Display and merchandising cases — Hussmann, Zero Zone, Structural Concepts, open air, glass door and floral coolers
- Refrigeration racks, condensing units, compressors, evaporators and controls
- Industrial refrigeration for cold storage, warehouses and food plants
- Blast chillers, shock freezers and rapid cooling
- Reach-in refrigerators and freezers in a set or bundle — True, Traulsen, Turbo Air, Beverage-Air, Continental
- Undercounter, prep tables, chef bases, worktop refrigeration and back bar coolers, in a bundle
- Ice machines and bins, bought with refrigeration or kitchen equipment
- Low GWP refrigerant changeovers and new installs — R-454B, R-290 and R-448A systems
- Refrigerated trucks, vans and trailer reefer units for delivery operations
- Temperature monitoring and alarms, installation, permits and used equipment
Why lease it
01
Replace before it fails, not after
A walk-in that dies on a Friday costs inventory and a weekend of sales. Financing lets aging refrigeration be replaced on schedule and on a fixed payment, not in an emergency.
02
Equipment plus the install on one agreement
Walk-ins, racks and cases need a contractor, and installation is a large part of the cost. The refrigeration contractor, the electrical and the permits can be financed with the equipment.
03
Refrigerant changeovers are financed too
Replacing a system to move to a low-GWP refrigerant is an equipment purchase and is financed as one, with the new cases or condensing units, the controls and the labor on one agreement.
Commercial refrigeration financing by type
Walk-in coolers and freezers
Panels, doors, floors, condensing units and the contractor's installation, indoors or outdoors. Usually the largest refrigeration purchase in a kitchen or store, and often the reason for the order.
Display cases and merchandisers
Open air and glass door cases, deli and bakery cases and floral coolers. A set of cases across a store goes on one agreement, with the installation that connects them.
Rack systems and condensing units
Parallel rack systems, remote condensing units, evaporators and controls for supermarkets and multi-case stores, with the piping and contractor's labor included.
Industrial refrigeration
Compressors, condensers, evaporators, blast freezers and controls for cold storage, warehouses, food plants and distribution. Several vendors can go on one agreement.
Reach-ins and prep tables
A single reach-in does not qualify alone. A set of reach-ins, or reach-ins and prep tables bundled with other kitchen or store equipment, does when the total comes to $10,000 or more.
Refrigerated trucks and trailers
Reefer trailers, vans and truck bodies for delivery. See refrigerated trailer leasing and financing.
What sets the payment on commercial refrigeration
Four things decide the monthly number. To see a range before you talk to anyone, use the equipment lease calculator.
The whole installed cost
The equipment plus freight, piping, electrical, permits and the contractor's labor. Including the soft costs makes the amount larger but keeps that cash in the business.
The term
Terms run from 24 to 60 months. A longer term lowers the payment. A shorter term costs more each month and less in total.
The end-of-term option
A fair market value lease has a lower payment and lets you return or upgrade. A $1 buyout lease or an equipment finance agreement costs more each month, and you own the equipment at the end.
The business applying
Time in business, credit history and the size of the transaction. Up to $150,000 is usually decided on a one-page application without financial statements.
Refrigeration financing by business
Restaurants and bars
Walk-ins, reach-ins and prep tables, bundled with the cooking line and bar. See restaurant equipment financing and ice machine leasing.
Grocers and convenience stores
Display cases, walk-ins and rack systems for a new store or a refit. See grocery store equipment financing.
Florists and specialty retail
Floral coolers, display cases and walk-ins, bought together or with the rest of a store fit-out. See retail equipment financing.
Food processors and butchers
Blast chillers, walk-ins and cold rooms on the same agreement as the production line. See food processing and meat equipment financing.
Cold storage and warehouses
Industrial systems, freezers and controls, with the racking and handling equipment around them. See warehouse equipment financing.
Hotels, hospitals and schools
Walk-ins, reach-ins and kitchen refrigeration bought as part of a larger refit. See hotel and hospitality equipment financing.
Refrigeration leasing or refrigeration financing?
The difference is mostly who owns the equipment at the end. A fair market value lease has a lower payment and lets you return or upgrade, which suits display cases in a store that refits on a schedule.
An equipment finance agreement or a $1 buyout lease costs more each month and leaves you owning the equipment, which suits a walk-in or rack system you expect to keep for years. The equipment lease vs. loan guide covers the differences. Your accountant should confirm the tax treatment.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 822-3017. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Commercial refrigeration financing questions
Can I finance commercial refrigeration equipment?
Yes, when the order comes to $10,000 or more. Walk-in coolers and freezers, display cases, rack systems and industrial refrigeration are financed for businesses, new or used, from any dealer, auction or private seller, with installation included.
Can I finance a single reach-in refrigerator?
Not on its own. A single reach-in refrigerator usually costs under $10,000, and transactions start at $10,000. A walk-in, a set of cases, or a reach-in bundled with other restaurant or store equipment does qualify when the total comes to $10,000 or more.
Can I finance a walk-in cooler or freezer?
Yes, when the total comes to $10,000 or more. Walk-in coolers and freezers are financed new or used, from any dealer, and the panels, doors, remote condensing unit, electrical work and the refrigeration contractor's installation can go on the same agreement.
How much does it cost to lease commercial refrigeration?
The payment depends on the total cost of the equipment and installation, the term of 24 to 60 months, the end-of-term option and the business applying. Send the dealer's or contractor's quote through the form on this page and we return payments for each term, usually the same business day.
Is a commercial refrigeration lease better than financing?
It depends on how long you will keep the equipment. A fair market value lease has a lower payment and lets you return or upgrade. An equipment finance agreement or a $1 buyout lease costs more each month and leaves you owning it, which suits a walk-in or rack system you plan to keep. Your accountant should confirm the tax treatment.
Do you finance restaurant refrigeration?
Yes, as part of an order of $10,000 or more. Walk-ins, reach-ins, prep tables and ice machines can go on one agreement with the cooking line and other kitchen equipment, even when they come from different dealers.
Do you finance industrial refrigeration?
Yes. Compressors, condensers, evaporators, controls and the contractor's installation for cold storage, warehouses and food plants are financed new or used, on one agreement. Up to $150,000 is usually decided on a one-page application without financial statements.
Can I finance a refrigerant changeover to R-454B or R-290?
Yes, when the total comes to $10,000 or more. Replacing or retrofitting a system for a low-GWP refrigerant is an equipment purchase and is financed as one, with the new cases or condensing units, the controls and the contractor's labor on one agreement.
Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.