Refrigeration Equipment Financing
Direct answer
RCR International Finance LLC finances commercial refrigeration for restaurants, grocers, and cold-chain operations. Funding can cover walk-ins, reach-ins, display cases, and refrigerated transport through loans or leases. Both new installations and used units are supported, with terms matched to the equipment, all subject to underwriting and approval based on the business and equipment.
Varies
Typical useful life
New & used
What's financed
Loan / lease
Both available
The asset
Secured by
Subject to underwriting and approval.
Reviewed by the RCR International Finance LLC team
Commercial finance specialists · Last reviewed January 2026
Written to reflect how refrigeration equipment financing actually works and checked against our editorial & compliance standards.
?Quick answer
RCR International Finance LLC finances commercial refrigeration for restaurants, grocers, and cold-chain operations. Funding can cover walk-ins, reach-ins, display cases, and refrigerated transport through loans or leases. Both new installations and used units are supported, with terms matched to the equipment, all subject to underwriting and approval based on the business and equipment.
Plan ahead
Estimate your payment
Model a monthly payment for refrigeration equipment before you apply.
Open the estimatorWhat refrigeration equipment you can finance
A representative sample of eligible assets in this category.
- Walk-in coolers and freezers
- Reach-in refrigerators and freezers
- Refrigerated display cases
- Blast chillers and freezers
- Ice machines
- Refrigerated trucks and reefer units
- Refrigeration compressors and condensers
Financing refrigeration equipment: the basics
RCR International Finance LLC arranges refrigeration equipment financing for businesses acquiring foodservice and cold chain. Because the asset secures the deal, refrigeration equipment is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.
New refrigeration financing supports full warranties and energy-efficient systems, fitting long-term cold-chain installations. Used commercial refrigeration is commonly financed at lower cost and is evaluated on condition and remaining life. Both new and used purchases are subject to underwriting and approval.
A loan builds ownership of durable cold-chain assets like walk-ins and display cases a business plans to keep. A lease can lower upfront cost during a buildout and ease upgrades to more efficient systems. The right structure depends on useful life, cash flow, and tax planning.
Loan vs lease: which fits this asset?
Both options finance refrigeration equipment, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.
Equipment Loan
Build ownership
- You own the equipment outright at the end of the term
- Builds equity in the asset as you pay it down
- Best for equipment with a long, productive useful life
- Payments are typically higher than a comparable lease
Equipment Lease
Lower payments, flexibility
- Lower monthly payments to preserve cash flow
- Flexibility to upgrade, renew, or return at term end
- Best for assets you replace or upgrade often
- End-of-term purchase options may be available
Soft costs you can often include
Financing frequently covers more than the sticker price, so the asset is working from day one.
Delivery and placement
Roll delivery and placement into the financed amount where the structure allows.
Installation and refrigerant charging
Roll installation and refrigerant charging into the financed amount where the structure allows.
Electrical and plumbing hookup
Roll electrical and plumbing hookup into the financed amount where the structure allows.
Applicable sales and use taxes
Roll applicable sales and use taxes into the financed amount where the structure allows.
Service contracts and maintenance plans
Roll service contracts and maintenance plans into the financed amount where the structure allows.
How equipment financing works
Select equipment
Identify the refrigeration equipment and obtain a vendor quote with specifications.
Apply
Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.
Loan or lease
Choose an ownership-building loan or a lower-payment lease, subject to approval.
Vendor payment
On approval, financing pays the vendor and you take delivery.
Documents to finance refrigeration equipment
- Equipment quote from the supplier
- Recent business bank statements
- Most recent business tax return
- Equipment list with specifications
- Owner identification
- Completed credit application
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Industries that finance refrigeration equipment
Key takeaways
- Refrigeration Equipment can be financed new or used, with the equipment itself serving as collateral.
- Choose a loan to build ownership or a lease for lower payments and flexibility.
- Soft costs such as delivery and placement and installation and refrigerant charging can often be rolled into the financed amount.
- Financing is subject to underwriting and approval; RCR International Finance LLC does not guarantee rates or approval.
Proven Track Record
$566M+ funded across 78+ real closings
Results over claims. See genuine, closed equipment transactions, anonymized by business type, that RCR International Finance LLC has funded.
Finance refrigeration equipment for your business
RCR International Finance LLC can help you compare loan and lease options for refrigeration equipment.
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Related financing
Refrigeration Equipment financing FAQs
- Can walk-in cooler installation be financed?
- Yes. Installation, refrigerant charging, and hookup can often be bundled with the equipment when itemized on the quote, subject to underwriting and approval.
- Do you finance refrigerated trucks and reefer units?
- Refrigerated trucks and reefer trailers are financeable cold-chain assets, valued on age, mileage, and condition during underwriting and approval.
- Is used refrigeration equipment eligible?
- Used commercial refrigeration is commonly financed and is valued on condition and remaining useful life, which affects term and structure, subject to approval.
- Can a grocery store finance a full refrigeration package?
- A complete package of cases, walk-ins, and compressors can be financed together when listed on a supplier quote, reviewed during underwriting based on the business.
Important disclosure
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.