Commercial Refrigeration Financing

Finance walk-ins, display cases, and rack systems — including the compressor that failed last night — for grocers, c-stores, and food businesses. Representative example: a $85,000 refrigeration system runs about $1,600/month.*

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The Refrigeration system Reality

Refrigeration is the only equipment in a food business whose failure destroys the inventory inside it. There is no planning window: a compressor goes overnight, product is in a dumpster by morning, and the replacement gets bought at whatever price is available that day. We finance both the emergency and the planned version — including equipment already installed and paid for in a hurry — so a failure does not come out of the cash the business needs to restock.

Built for This Asset

Structures priced by people who know what a refrigeration system 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

Walk-in coolers, freezers, and boxes
Display cases and open-air merchandisers
Rack systems, condensers, and compressors
Blast chillers and freezer tunnels
Refrigerated prep tables and undercounters
Emergency replacement, installation, and refrigerant work

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

Can refrigeration bought in an emergency be financed after the fact?

Often, yes. Equipment already installed and paid for can be refinanced into a schedule, which puts the cash back where it was before the compressor failed. See sale-leaseback.

Is this different from financing a restaurant kitchen?

It is a different purchase. A kitchen buildout is planned, quoted, and installed as one package — see restaurant equipment financing for that. This page is standalone refrigeration for grocers, c-stores, and food businesses, including the replacements nobody scheduled.

Can I finance a used refrigeration system?

Yes — used refrigeration system 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 refrigeration system 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 commercial refrigeration 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 refrigeration system?

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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