Refrigerator Financing Services

Providing small business owners with expertise and solutions for commercial refrigerator financing.

Commercial Refrigerator Financing

Charter Capital has been a leading and trusted partner for food service businesses for over 40 years, providing equipment and construction financing expertise and services for restaurants, bakeries, coffee shops, and more. We have helped thousands of small business owners identify and acquire the best commercial equipment loans and leasing options for their ventures. 

Some of the examples of commercial refrigerator loans we’ve supported in the past four decades include:

  • Walk-in refrigerators
  • Reach-in refrigerators and/or freezers
  • Under counter refrigerators
  • Bar refrigerators
  • Pastry refrigerators
  • Merchandising and display refrigerators
  • Refrigerated preparation tables


If you are in Arizona, you can easily find us by searching “commercial refrigerator financing near me” on your browser, but we also help businesses located outside of AZ. Our friendly and knowledgeable team at Charter Capital is committed to helping small business owners succeed. 

As a family-owned venture, we deeply understand the highs and lows that entrepreneurs go through while starting and growing their operations. Those looking for solutions for financing refrigerators can rest assured that we are here for you. 

Finding the money to buy commercial food service equipment and furnishings is no easy task. We are here to make sure that the process is easy, seamless, and uncomplicated. Charter Capital will help connect you with reliable lenders who will become your partners as your business grows and thrives. Contact our team today to learn more about commercial refrigerator financing and the best solutions that are available to you. 

chef opening a refrigerator

Some of our customers...

  • are interested in the lowest rate.
  • are interested in a specific tax treatment.
  • want to avoid breaching existing lending covenants.
  • are interested in the longest term.
  • are interested in getting reimbursed for equipment they have already paid for.
  • want seasonal or other cyclical structures.
  • want to finance software.
  • want us to give the seller a deposit before the equipment is shipped.
All of our customers want a fair deal at a fair price and no surprises.

Buying vs. Leasing Commercial Refrigeration Equipment

The cost of a commercial refrigerator can eat into your capital, and this is where commercial refrigerator financing comes in handy. You can spread the cost of the refrigerator over time through monthly payments, which makes it easier on your business’s cash flow.

In deciding whether to buy or lease your food service equipment, it’s important to understand the pros and cons of each option:

Pros of Buying Commercial Refrigerators

  • You own the refrigerator outright and can sell it or use it as collateral for a loan later on.
  • You may be able to deduct the cost of the refrigerator as a business expense.
  • There is no risk of being charged for any damage done to the refrigerator, as you would with a leased one.


Cons of Buying Commercial Refrigerators

  • The initial cost of buying a refrigerator can be high, which may strain your business’s cash flow.
  • You will have to pay for all repairs and maintenance costs.
  • The refrigerator may become outdated and will need to be replaced.


Pros of Leasing Commercial Refrigerators

  • You can get a refrigerator with the latest features and technology without having to pay the full price upfront.
  • You can often get a lower monthly payment when leasing.
  • You can write off the cost of leasing the refrigerator as a business expense.


Cons of Leasing Commercial Refrigerators

  • You don’t own the refrigerator outright and will have to return it at the end of the lease term.
  • You may be charged for any damage done to the refrigerator while it is under your care.
  • You may have to pay a penalty if you want to get out of the lease early.


Charter Capital: The Best Option for Commercial Refrigerator Financing

No matter which route you decide to take, buying or leasing, Charter Capital can help you finance your commercial refrigerator. We have been in the equipment financing business for over 40 years and have helped thousands of businesses get the equipment they need to succeed. We offer a wide range of financing options with flexible terms to fit your needs.

We understand that each business is different and has unique financing needs. That’s why we take the time to get to know you and your business before recommending a financing solution. We want to be your partner in success, and we will work with you every step of the way to make sure you get the best possible financing for your commercial refrigerator.

Get in touch with us today to learn more about our refrigerator financing options and how we can help your business grow.

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