Keep your cash
in the business.
Commercial refrigeration is a capital decision with a long tail. Financing lets you put your walk-in cooler, freezer, or full cold-storage buildout to work immediately — and spread the cost over time. We connect qualified Ontario operators with vetted financing partners and keep your working capital intact for the people, inventory, and marketing that grow the business.
The promise
- Written quote
- In 48 hours
- Financing partners
- Vetted, Canadian
- Lead time
- From 2 weeks
- Response
- Under 60 minutes
Built for the
people opening doors.
Three moments in a business life-cycle justify financing the cold-storage side. Each pulls a different lever. We scope the equipment and the financing review together so neither moves without the other.
Opening a new location
Restaurants, cafes, groceries, butchers, bakeries, c-stores. Refrigeration is one of the largest line items on a fit-out budget — financing lets you open with the right equipment rather than compromising on size, efficiency, or reach-in capacity.
Scaling or expanding
Adding a second kitchen, a prep commissary, a cold holding room, or converting floor space into refrigerated capacity. Financing keeps the existing operation liquid while the new capacity is built and commissioned.
Retrofit or replacement
Aging compressors, failing controls, refrigerants due for phase-out, or a unit that costs more to repair than to replace. Financing converts a capital event into a predictable operating cost — often paid for by the energy savings of the new equipment.
What we finance.
New installations, refurbished and certified pre-owned equipment, and full turnkey cold-storage builds. If we quote it, we can help you finance it.
Four steps from conversation to commissioning.
Tell us the shape of the need
A short phone call or the form below. Business type, rough equipment need, budget mindset, and when you need it running.
Site visit and sizing
We come to you — measure the space, model the thermal load, review layout and access, and scope the installation cleanly.
Written quote · 48 hours
A single, itemised written quote covering equipment, labour, electrical, refrigerant, disposal, and commissioning. No surprises later.
Financing review
We introduce you to a vetted Canadian financing partner. They run the approval in parallel with your decision — typical turnaround is days, not weeks.
Cash stays where it grows you.
Preserve working capital
Refrigeration is long-lived infrastructure. Financing aligns the payment schedule with the asset life so you keep cash free for inventory, staff, and growth.
Move faster
No dragging the decision because of a cash-flow month. If the operation needs the capacity now, financing makes now possible.
Predictable operating cost
A fixed monthly obligation is easier to plan around than a one-time capital hit. Many operators find it pencils inside a single category of energy savings.
Right-size from day one
Buyers who self-fund often under-buy. Financing lets you install the cooler that matches the business you are building, not the one you could afford on opening day.
The honest answers.
Do you approve the financing yourselves?
No. We introduce you to vetted third-party financing partners who specialise in equipment finance for Ontario businesses. We never take a financing decision on your behalf — we make sure the quote and the approval line up cleanly.
What rates or terms can I expect?
Rates and terms depend on the business, the equipment, the amount, and the lender. We will not quote a number on a webpage because the honest answer is that they vary. Once we have a written equipment quote and a basic credit picture, the partner can give you real numbers — usually within a few business days.
Can new businesses qualify?
Often yes. Equipment financing is asset-backed, so new operators with a reasonable business plan are in scope. We ask for a bit of context up front so we can introduce you to the partner most likely to approve your specific profile.
Can I finance used or refurbished equipment?
Yes, in most cases. Certified pre-owned and refurbished walk-in coolers and freezers are eligible with most partners. We document the condition, warranty, and remaining useful life on the quote so the financing review is straightforward.
What does it cost to get the quote and financing review?
Nothing. The site visit, sizing, written quote, and financing introduction are free. You commit when you sign the equipment quote and the partner paperwork — and not a minute before.
How long does the whole process take?
A typical flow is: site visit within a few days, written quote within 48 hours of that visit, financing approval in parallel (often 2 to 5 business days), and installation scheduled as soon as equipment arrives. From first call to commissioning, most jobs finish inside 3 to 6 weeks.
Tell us what you are building.
A written quote inside 48 hours of a site visit. Financing introduction in parallel. No spam, no sales pressure — one of our operators will reach out personally within one business day.
Information collected is used only to scope the quote and introduce the right financing partner. Not shared with third parties beyond that introduction.
Cold is failing?
We are already on the way.
Product losing temperature. Compressor down. Walk-in warming. Call the line — a technician answers, an ETA is given, and a van is moving. Under sixty minutes is the standard across the GTA.