Cold Storage Financing

Finance warehouse-scale refrigeration, freezer racking, and automation against contracted pallet positions — fixed plant, underwritten on throughput. Representative example: a $900,000 cold storage facility runs about $17,100/month.*

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The Cold storage facility Reality

Warehouse-scale refrigeration is closer to a building than a machine. The system is welded to the structure, it has little resale value outside the facility it was designed for, and what it earns is set by contracted pallet positions rather than by anything the equipment does faster. So the financing rests on the contracts and the operator instead of on what the equipment would fetch if it came out — and the term should reflect an installation that will run for decades.

Built for This Asset

Structures priced by people who know what a cold storage facility earns and how it holds value — not a generic credit box.

Food & Beverage Expertise

Part of our Food & Beverage vertical: payment structures matched to how this industry's revenue actually arrives.

Backed by $1B

A $1B forward flow agreement with TPG gives Elevex institutional capital strength with entrepreneurial speed.

What We Finance

Industrial refrigeration and ammonia systems
Blast freezing and rapid-chill rooms
Freezer racking, mobile racking, and shuttles
Dock equipment, air curtains, and doors
Automation, AS/RS, and warehouse control systems
Energy recovery, controls, and monitoring

Payment Structures

The differentiation: four ways to own the same equipment, engineered to your cash flow. Compare them side by side on our structures page.

Operating Lease

Off-balance-sheet treatment with end-of-term flexibility — return, renew, or purchase. Often the right answer when technology cycles or accounting outcomes drive the decision.

$1 Buyout Lease

Own the equipment for one dollar at term end. Fixed payments, full Section 179 eligibility, and a clean path to ownership.

Seasonal & Step Payments

Payments that follow your revenue curve — lighter in slow months, heavier in peak season, or stepping up as new equipment ramps to full production.

Usage-Based & As-a-Service

Payments tied to hours, output, or consumption. The category Elevex is defining: pay for what equipment achieves, not what it costs.

Learn more about financing structures

How It Works

Three steps from quote to funded.

1 · Apply in Minutes

Application-only to $1,000,000 — no tax returns or financials below that threshold. Have your equipment quote, auction listing, or build spec ready.

2 · Structure Together

A finance professional (not a portal) walks the structure options — term, seasonality, end-of-term — and prices the deal to your cash flow.

3 · Fund in 24–48 Hours

Most transactions fund within 24–48 hours of signed documents. Your vendor gets paid; you get to work.

Common Questions

How is cold storage financed differently from a walk-in cooler?

By scale and by what stands behind it. A walk-in is equipment that can be moved; a warehouse system is fixed plant underwritten on contracted throughput and the operator running it. See commercial refrigeration financing for the equipment-scale version.

Can construction and equipment be funded on the same schedule?

The equipment, racking, and automation can sit together, with progress payments through the install and the first regular payment once the facility is commissioned and taking pallets. Structural work usually needs a different instrument, and we will tell you which parts fit where. See milestone structures.

Can I finance a used cold storage facility?

Yes — used cold storage facility financing is standard business, whether the unit comes from a dealer, an auction, or a private seller. We value working assets on condition and remaining service life, not a blanket age cutoff, and set terms the equipment can actually support.

Does a cold storage facility qualify for Section 179?

Most business-use equipment placed in service this tax year qualifies for Section 179 expensing, financed or purchased outright — often meaning the first-year deduction outruns your first-year payments. Run your numbers on our Section 179 calculator and confirm specifics with your tax advisor.

How fast can cold storage financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits, and most deals fund within 24–48 hours of signed documents. Apply online with your quote to start.

Ready to finance your cold storage facility?

Payments built on outcomes, from the team that knows your industry. Equipment sellers: offer financing at the point of sale with CapVex.

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