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Commercial HVAC

Commercial Refrigeration System Financing

Refrigeration protects inventory. For a grocery store, restaurant, florist, brewery, or food distributor, a failed compressor can spoil thousands of dollars of product overnight and bring a health inspector to the door. Refrigeration contractors know this, and so do the owners who call them at midnight.

Financing lets food businesses replace aging refrigeration before it fails and lets new operators build walk ins and display lines without spending their opening capital. It also helps refrigeration contractors present a full system upgrade that customers can actually approve.

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Programs that fitEFA$1 Buyout LeaseEquipment Loan

Commercial Refrigeration We Help You Finance

  • 01

    Walk In Coolers and Freezers

    Walk ins are insulated rooms built from modular panels, with a door, floor, and a refrigeration system sized to the box. Restaurants, convenience stores, schools, and floral shops use them for bulk storage. When buying, pay attention to panel thickness, floor type for freezers, door hardware, strip curtains, and whether the box sits indoors or outdoors with a weather cap. Used panels can save money if they're clean and undamaged, but hidden moisture inside old panels hurts efficiency, so inspect carefully. Financing can cover the box, the refrigeration, and the installation together.

  • 02

    Condensing Units

    The condensing unit holds the compressor and condenser that pull heat out of a walk in or reach in system. It can sit on the roof, on a pad, or on top of the box. Buyers choose between air cooled and water cooled units, scroll and semihermetic compressors, and newer inverter models that modulate capacity. Refrigerant choice matters more than ever as regulations phase out older options, so ask your contractor which refrigerants your new unit uses and whether your technicians are trained for them. Remanufactured compressors are common for repairs, but whole new units bring warranty coverage.

  • 03

    Rack Systems

    Rack systems group multiple compressors on one frame to serve many cases and walk ins from a central machine room. Supermarkets, cold storage warehouses, and food processors rely on them for efficiency and redundancy. Modern racks may use CO2 or other natural refrigerants, electronic controls, and heat reclaim that warms the store or the water. They're big, engineered projects, so plan for machine room ventilation, leak detection, and long lead times. Used racks sometimes come up for sale when stores close, though retrofitting them to a new layout takes skill.

  • 04

    Display Cases

    Display cases put product in front of customers: open multideck dairy cases, glass door freezers, deli and meat cases, bakery cases, and floral coolers. Grocers and convenience stores replace them to cut energy use and refresh the store's look. Consider glass doors on open cases, LED lighting, night curtains, and whether the case is self contained or remote to a rack. Refurbished cases can make sense for a new independent market, but check door gaskets, fan motors, and case temperature performance before buying.

Why Finance Refrigeration Instead of Paying Cash

Refrigeration is essential but doesn't sell anything by itself. Financing lets you keep cash for inventory, staffing, and marketing while the new system protects your product.

It also lets you upgrade to more efficient equipment now instead of nursing an old compressor through one more summer. Keeping credit lines open gives you room to restock quickly after an outage. New equipment may qualify for Section 179 deductions; check with your tax professional.

What Your Financing Can Include

Depending on the lender, refrigeration financing may cover:

  • Walk in panels, doors, floors, and strip curtains
  • Refrigerant piping, evaporators, and electronic expansion valves
  • Temperature monitoring and alarm systems
  • Machine room ventilation and leak detection
  • Electrical work, concrete pads, and roof supports
  • Removal of old equipment and refrigerant recovery

Programs That Work Well for Commercial Refrigeration

  • Program

    Equipment Finance Agreement (EFA)

    You own the equipment from day one and make fixed payments, a solid choice for walk ins and racks built into your space.

  • Program

    $1 Buyout Lease

    Lease payments, then own it for one dollar at the end, a popular option for display cases and condensing units.

  • Program

    Equipment Loan

    A loan that usually carries the strongest incentives for paying off early, though the details depend on the lender, useful for seasonal food businesses with strong peak months.

New Business or Established, We Can Help

Opening a new market, restaurant, or brewery? Equipment financing is available from day one, so you can build your walk in before the doors open. Established grocers and refrigeration contractors can finance full remodels. See more on our commercial HVAC financing page, or check out building automation financing for monitoring and energy management.

What You'll Need

Requests under $150K, which covers most walk ins and condensing units, can often be approved on the application alone. Supermarket rack systems and full store remodels may call for financial statements. Funding can often finalize with just a driver's license and the equipment invoice or contractor quote.

Frequently Asked Questions

Still have a question?

Talk to a real person. We're happy to walk you through your options.

Can I finance a walk in cooler for a new restaurant?

Yes. Startups can finance equipment from day one, and a walk in cooler is one of the most common first purchases. You can bundle the box, refrigeration, and installation into one request.

Can I finance used display cases?

Some lenders finance used or refurbished cases when a reputable seller provides an invoice and condition details. Share what you're looking at and we'll match you with lenders open to used equipment.

Can financing cover a full supermarket refrigeration remodel?

Often, yes. Large projects that combine racks, cases, piping, and controls can be financed together, depending on the lender. Financial statements usually help support the larger amount.

My condensing unit just failed. How quickly can I get options?

Apply right away. We submit your application to lenders immediately, and smaller requests can often be approved on the application alone, which helps you get a replacement ordered before more product is lost.

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