Finance question
Can I finance a refrigerated van?
Yes. A refrigerated van, both the vehicle and the fridge unit and insulated body fitted to it, is a standard equipment finance deal secured by the van. Funding runs up to $500,000 across 40+ lenders, and clean deals are often approved in 24 to 48 hours.
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The short answer
The van and the fridge fund together
A refrigerated van is a work vehicle with a cold chain built in, and lenders finance it as one asset. The base van, the insulated body, the refrigeration unit and any shelving or freezer partition are funded together, secured by the completed vehicle. Caterers, butchers, seafood suppliers, florists, pharmacy couriers and meal-prep businesses all run on exactly this kind of deal.
You can finance a factory-built refrigerated van or a cab-chassis that gets a fridge body and unit fitted after purchase. Either way the finished vehicle is the security. Prices sit across a broad band, from a small used refrigerated van in the tens of thousands up to a new build with a heavy-duty unit well into six figures, all inside the $500,000 equipment finance limit.
Where a van is bought and then converted, the conversion is often the bigger cost. Many lenders will fund the base vehicle and the refrigeration fit-out inside the same facility, so you finance the working cold-chain van rather than paying for the fridge separately out of cash.
Do you qualify?
What makes a refrigerated van fundable.
The vehicle
A factory-refrigerated van or a cab-chassis to be fitted out.
An active ABN
Sole traders and companies both qualify.
The fridge fit-out
Insulated body and refrigeration unit can be bundled in.
A fast turnaround
Clean vehicle deals often approve inside 24 to 48 hours.
Why a refrigerated van is straightforward to finance
One secured asset
Van, body and unit are financed together as the completed vehicle.
Fit-out can ride along
A post-purchase conversion can sit inside the same facility.
New or used
Factory builds and quality used refrigerated vans both fund.
A real example
A meal-prep business buys a $48,000 cab-chassis van and adds a $22,000 insulated body and refrigeration unit for chilled deliveries. Funded as one $70,000 equipment facility secured by the completed van and approved inside two days on an ABN and a clean record. Illustrative only.
Common questions
Frequently asked questions
Can I finance the fridge conversion on a van I am buying?
Often yes. Many lenders fund the base van and the refrigeration fit-out inside one facility, secured by the completed vehicle.
Does a used refrigerated van qualify?
Usually. Quality used refrigerated vans fund well; very old vehicles can narrow the lenders, which is why we place the deal carefully.
Is the refrigeration unit counted as part of the security?
Yes. The insulated body and unit are part of the finished vehicle, so they form part of the asset securing the loan.
How fast can it be approved?
Clean vehicle deals often clear within 24 to 48 hours once the quote and your details are in, subject to lender assessment.