FINANCE OPTIONS

^{Refrigeration} Finance for Convenience Stores - Get Rates

Q: What is the typical borrowing range for refrigeration finance?

You can usually borrow between £5,000 and £500,000 for refrigeration finance, depending on your store’s creditworthiness and the type and value of the equipment you need to acquire.

Q: How fast can I get refrigeration finance for my store?

Initial decisions are typically made within 1 to 2 weeks, and funds are generally released 1 to 3 weeks after approval. Fast response relies on providing accurate and complete application details.

Q: What rates and fees should I expect?

Typical rates for refrigeration finance agreements range from 3% to 10% APR. There may also be arrangement fees or early repayment charges, as set by the lender and agreement type.

Q: What types of refrigeration finance are available?

You can choose from hire purchase (eventual ownership), finance lease (flexibility and upgrades), or operating lease (short-term use) depending on your business needs and preferences.

Refrigeration finance for convenience stores is a type of asset finance that enables businesses to acquire essential refrigeration equipment without paying the full cost upfront. By spreading the expense over a set term, convenience stores can manage cash flow and access necessary technology to support their operations. With options to lease or purchase units, refrigeration finance helps businesses obtain vital assets that would otherwise create a significant financial burden. Key benefits include equipment ownership at term end, improved cash flow, and the flexibility to choose agreements matching business goals.

Refrigeration Finance

Secure up to £1,000,000 in Refrigeration Finance with Funding Agent.

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

Apply Now

^Benefits of Refrigeration Asset Finance

Asset finance for refrigeration in convenience stores offers several advantages over outright equipment purchase. Businesses benefit from improved cash flow, tailored finance structures, and opportunities for long-term ownership or flexible leases. Typical APRs range from 3% to 10%, with finance terms based on the agreement selected. Application decisions are often made in one to two weeks.

Lower operating costs

Improved energy efficiency

Enhanced inventory management

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Refrigeration Finance

Hire Purchase

Spread the cost of refrigeration equipment and own it at the end of the agreement. Suited for businesses prioritising long-term ownership and predictable monthly payments.

Hire Purchase

Hire purchase allows your business to select refrigeration equipment that a lender purchases on your behalf. You make agreed repayments over 12 to 60 months, with eventual ownership upon completing the payments. It’s suitable for independent convenience stores seeking to upgrade or expand, helping manage equipment costs without a large upfront investment. Typical arrangements cover amounts from £5,000 to £500,000, with a quick 1 to 2 week decision process. Learn more about Hire Purchase and its benefits for equipment upgrades.

Finance Lease

Lease refrigeration units with flexible repayment terms and the potential to upgrade equipment during the agreement. Ideal for growing chains and stores needing adaptability.

Finance Lease

A finance lease lets the lender purchase refrigeration equipment while your business leases it for a set period, typically 12 to 60 months. Repayments are spread over the term, and you may have options to update or replace equipment. This structure is suitable for convenience stores that benefit from continuous upgrades without committing to ownership. Finance leases generally range from £5,000 to £200,000, with competitive rates and swift decisions.

Operating Lease

Rent refrigeration equipment for a shorter term without ownership risks or commitments. Well suited to pop-up or temporary stores needing flexibility.

Operating Lease

Operating leases provide refrigeration equipment on a rental basis, enabling your business to meet short-term or project-based needs. The lending company maintains ownership throughout the 12 to 48 month term, removing the risks associated with obsolescence or resale. Learn how operating leases work for flexible refrigeration solutions. This option suits temporary stores or businesses facing seasonal demand. Available for funding between £5,000 and £150,000, responses typically take 1 to 3 weeks.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Secure Refrigeration Finance with Funding Agent

Apply Online

Start your application by sharing key details about your business and your refrigeration equipment needs through our online application form.

Review Options

We present you with tailored finance offers from our panel of lenders, ensuring you can compare and select the best solution.

Receive Funds

Once you choose your preferred agreement and complete all requirements, funds will be made available so you can proceed with your equipment purchase.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

What is the typical borrowing range for refrigeration finance?

How fast can I get refrigeration finance for my store?

What rates and fees should I expect?

What types of refrigeration finance are available?

DIVE DEEPER

June 24, 2025

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

Find all our resources

^{Refrigeration} Finance for Convenience Stores - Get Rates

^Benefits of Refrigeration Asset Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Refrigeration Finance

Hire Purchase

Hire Purchase

Finance Lease

Finance Lease

Operating Lease

Operating Lease

Typical Funding Journeys on Funding Agent