Industrial equipment financing

Capital for your cooling equipment upgrades — Chiller Financing

Q: What is the benefit of a lease to own agreement for HVAC?

Leasing lets you avoid large upfront cash outlays, keeping your working capital available for daily operations like inventory and payroll. Payments are often tax-deductible as business expenses. At the end of the term, you typically own the unit for a nominal fee like one dollar.

Q: Can I get funding if my business has bad credit?

Yes. Many lenders in the refrigeration space focus on the value of the equipment you are purchasing rather than your business credit score. While rates may vary, an equipment-backed loan is often the most accessible financing path for businesses with credit history challenges.

Q: How long does the funding process take?

Once you submit your initial inquiry and provide basic equipment documentation, initial offers are typically delivered within 24 to 72 hours. The final funding timeline depends on vendor invoicing, but many businesses have their equipment order finalized within one business week.

Q: What tax benefits exist for refrigeration equipment?

Section 179 of the IRS tax code allows many businesses to deduct the full purchase price of qualifying equipment from their gross income. This can significantly reduce the net cost of your HVAC or walk-in cooler upgrade. Always consult a tax professional for your specific situation.

We connect food service and cold storage businesses to lenders specializing in industrial refrigeration, HVAC, and walk-in cooler financing.

See my funding options Call a funding specialist

A soft credit inquiry does not affect your credit score.

4.9 Excellent · 3,200+ reviews via Big Think Capital

How it works Why this exists

Industry terminology

Walk-in cooler
HVAC tonnage
BTU rating
Chiller efficiency
Cold chain storage
Asset-backed lease
Compressor replacement
Refrigeration cycle

What we fund

Commercial industrial refrigeration and HVAC financing for small businesses

Financing options matched to your situation, in one place.

$5K–$500K Available funding range
24–72 hours Typical approval speed
0 impact Credit score check

What business owners say

4.9 Excellent 3,200+ reviews on Trustpilot via Big Think Capital

This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!

Stephanie Harlan Verified
Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.

Josias Ramirez Verified
They gave me a chance when nobody else would. I'm very satisfied.

Harold Benman Verified

How it works

How the money moves.

One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.

You

Submit request

Provide basic information about your equipment purchase needs.

Data review

We match your specific profile to relevant industrial lenders.

You

Offer review

Compare repayment schedules and terms side by side.

Lender

Funding

Capital transfers directly to your equipment vendor.

Niche equipment experts

Lenders specialize in commercial HVAC and cooling assets.
Faster decisions because they understand equipment depreciation.

Flexible payment terms

Choose repayment periods between 24 and 72 months.
Options for seasonal payment structures for food service cycles.

Fast digital turnaround

Eliminate redundant paperwork with a streamlined application.
Funding often occurs within three business days of approval.

Why this exists

Why the usual lenders say no.

Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.

Credit score barriers

Traditional banks often reject applications based solely on credit score history.

Asset-backed loans prioritize the equipment value over your personal credit score.

Collateral requirements

Commercial lenders often demand real estate equity that your business lacks.

The refrigeration unit itself acts as the collateral for these loan types.

New business status

Banks usually require three years of tax returns for equipment loans.

Startup-friendly lenders look at your revenue projections and equipment utility.

Composite scenarios

What a funded request actually looks like.

Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.

$45K–$60K

Independent grocery store

Replace aging ammonia refrigeration system for produce section

$15K–$25K

Restaurant owner

Purchase high-efficiency reach-in freezers for kitchen

$150K–$200K

Cold storage warehouse

Install new industrial chiller unit for warehouse expansion

$10K–$20K

Catering company

Upgrade backup emergency cooling equipment for events

How we label illustrative scenarios →

Business operations

Optimize your cold chain

Beyond equipment financing, we help business owners access capital for warehouse automation, inventory management systems, and facility retrofits.

Explore all solutions Read our editorial standards →

Questions we get asked

Frequently asked.

How does equipment financing differ from a standard bank loan?

Equipment financing uses the cooling unit itself as collateral. This allows for faster approvals and typically lower down payments. Bank loans are often unsecured and require higher credit standards. Most of our partners offer terms between 2 and 7 years for equipment loans.

What is the benefit of a lease to own agreement for HVAC?

Can I get funding if my business has bad credit?

How long does the funding process take?

What tax benefits exist for refrigeration equipment?