Finance question
Can I finance a cool room or cold storage?
Yes. A cool room, freezer room or cold storage build, the panels, refrigeration plant, doors and shelving, is financeable equipment secured by the installed asset. It funds up to $500,000 across 40+ lenders, with the install often bundled into the same facility.
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The short answer
Cold storage is a fundable asset
A cool room is refrigeration equipment, so it finances like any other machine. The insulated panels, the condensing and evaporator units, the strip curtains and heavy doors, and the racking inside are funded together and secured by the completed room. Restaurants, butchers, bottle shops, florists, food manufacturers and cold-chain warehouses all buy cold storage on this basis.
The range is broad. A small walk-in cool room for a cafe kitchen might sit in the low tens of thousands, while a large freezer room or a multi-bay cold store for a food producer, with heavy refrigeration plant, can run into the hundreds of thousands. Equipment finance to $500,000 covers most single-site cold rooms without approaching the limit.
A cool room is as much install as it is hardware. The panel construction, the refrigeration commissioning and the electrical work often cost as much as the units themselves. Many lenders let those install costs sit inside the facility, so you finance the working, sealed and running cold room rather than just the parts.
Do you qualify?
What makes a cold storage deal fundable.
The cool room build
Panels, doors and refrigeration plant as the security.
An active ABN
Sole traders and companies both qualify.
The install quote
Construction and commissioning can be bundled in.
Hospo, retail or food
Kitchens, butchers, bottle shops and producers all fit.
Why financing cold storage makes sense
Fund the whole build
Panels, plant and install can sit inside one facility.
The room is security
The installed refrigeration asset secures the loan.
Protect cash flow
A major kitchen or warehouse spend becomes a monthly cost.
A real example
A butcher fits out a new shop with a walk-in cool room and a small freezer room: panels, two refrigeration units, doors and racking, plus install, quoted at $58,000. Funded on one equipment facility secured by the finished rooms, with the commissioning bundled in. Illustrative only.
Common questions
Frequently asked questions
Can the installation be financed, not just the panels and units?
Often yes. Many lenders let the panel construction, electrical work and refrigeration commissioning sit inside the facility with the hardware.
Does a freezer room finance the same as a chiller?
Yes. A freezer room is simply colder-rated refrigeration; the completed room secures the deal either way, sized to the full build cost.
Can I finance a cool room fitted inside a leased premises?
Often yes. The refrigeration equipment is the asset. How a fixed install sits with the lease is something we work through with the lender.
How much can I borrow for cold storage?
Equipment finance goes up to $500,000, which covers most single-site cool rooms and many larger freezer builds, subject to lender assessment.