Introduction to Commercial Refrigeration & Climate Control Finance

At Gable Asset Finance, we specialise in supporting UK businesses with tailored finance solutions for chillers, freezers, cold rooms, and air conditioning systems.
From small corner shops to large supermarkets, the right refrigeration and climate control equipment is essential for preserving stock quality, ensuring customer comfort, and meeting health and safety requirements.
However, the upfront costs of purchasing and installing these high-performance systems can be significant. That’s where our flexible asset finance solutions come in.

Whether you are an established business expanding your operations or a new start-up entering the retail market, we provide funding options to spread the cost of equipment over time, keeping your cash flow strong and predictable.

Why Choose Finance for Refrigeration & Air Conditioning?

Investing in reliable commercial refrigeration and air conditioning is vital for a range of industries.
However, paying upfront can restrict working capital and reduce financial flexibility. Finance allows you to:

• Spread the cost of expensive equipment into manageable monthly repayments.
• Access the latest energy-efficient technology without major upfront expense.
• Preserve cash flow to cover other business expenses like stock, staff, and marketing.
• Upgrade or replace equipment when required with minimal disruption.
• Benefit from potential tax advantages depending on the finance product chosen.

Industries That Benefit from Refrigeration & Air Conditioning Finance

Our tailored finance solutions support a wide range of retail and commercial businesses across the UK, including:

• Supermarkets: Large-scale refrigeration systems, walk-in cold rooms, and climate control solutions.
• Convenience Stores: Compact chillers, freezers, and efficient air conditioning units.
• Cash & Carry Outlets: High-capacity cold rooms and large refrigeration units for bulk storage.
• Specialty Retailers: Bakeries, butchers, fishmongers, and delicatessens requiring precise temperature control.
• Hospitality Businesses: Restaurants, bars, cafés, and hotels ensuring stock preservation and customer comfort.
• Healthcare & Laboratories: Climate-controlled environments and specialist refrigeration equipment.

Common Types of Equipment We Finance

We provide finance for all makes and models of commercial refrigeration and air conditioning equipment, including:

• Commercial Chillers: From display chillers to back-of-house units.
• Freezers: Upright freezers, chest freezers, and specialist storage freezers.
• Cold Rooms: Walk-in cold rooms, modular cold storage, and bespoke designs.
• Air Conditioning Units: Split systems, ducted systems, VRF/VRV solutions for all retail spaces.
• Refrigerated Display Units: Open front chillers, serve-over counters, and multi-deck displays.
• Energy-Efficient Models: Advanced systems that reduce running costs and environmental impact.

Asset Finance Options for Refrigeration & Air Conditioning

At Gable Asset Finance, we offer several tailored finance products to help businesses of all sizes acquire the refrigeration and climate control solutions they need:

1. Hire Purchase

Hire Purchase allows businesses to spread the cost of their equipment over an agreed period.
At the end of the term, ownership transfers to the business, making it a straightforward path to owning essential refrigeration and air conditioning systems.

• Fixed monthly repayments for easy budgeting.
• Option to own the equipment outright after final payment.
• Tax benefits may be available depending on your business structure.

2. Finance Lease

With a Finance Lease, you can use the equipment while spreading payments across a fixed term.
Ownership remains with the lender, but at the end of the agreement, you may have the option to upgrade or continue leasing.

• Preserve working capital with no large upfront payments.
• Flexibility to upgrade at the end of the lease term.
• Ideal for businesses needing frequent equipment updates.

3. Operating Lease

An Operating Lease is often used for equipment with a shorter lifecycle.
You pay for the use of the asset over an agreed term without taking ownership, making it a cost-effective solution for certain businesses.

• Lower monthly payments compared to hire purchase.
• Suitable for equipment that may need regular replacement.
• Option to return or upgrade equipment at the end of the term.

4. Business Loans

If you prefer to buy outright, a business loan can provide the capital needed to purchase and install refrigeration or air conditioning systems.
This route gives you immediate ownership while spreading repayment across manageable terms.

• Lump sum of capital provided upfront.
• Flexible repayment terms tailored to your business.
• Retain full ownership of equipment from day one.

New, Used & Reconditioned Equipment Finance

At Gable Asset Finance, we understand that businesses have different needs and budgets.
That’s why we provide finance for brand new, used, and reconditioned refrigeration and air conditioning systems.

• New Equipment: Access the latest models with the highest energy efficiency and performance standards.
• Used Equipment: Finance pre-owned systems to reduce costs without compromising reliability.
• Reconditioned Equipment: Refurbished units fully tested and supplied with a warranty for peace of mind.

Benefits of Partnering with Gable Asset Finance

• UK-wide service covering all sectors needing refrigeration and air conditioning.
• Tailored finance packages to suit your business size and industry.
• Quick and simple approval process to get your equipment installed faster.
• Access to finance for all makes and models of equipment.
• Support for start-ups as well as established businesses.

How to Apply for Refrigeration & Air Conditioning Finance

Applying for finance with Gable Asset Finance is simple:

1. Step 1: Contact our team with your equipment requirements.
2. Step 2: We discuss your finance options and tailor a package to your needs.
3. Step 3: Submit a quick application for approval.
4. Step 4: Once approved, your equipment is ordered, delivered, and installed.
5. Step 5: Begin manageable monthly repayments while benefiting from your new equipment.

FAQs on Refrigeration & Air Conditioning Finance

Can start-up businesses get finance for refrigeration equipment?

Yes. Gable Asset Finance supports both start-ups and established businesses with tailored finance packages.

Do you provide finance for specific brands of refrigeration and air conditioning units?

We provide finance for all leading brands and models of chillers, freezers, cold rooms, and air conditioning systems, both new and reconditioned.

What are the benefits of leasing refrigeration equipment?

Leasing allows businesses to use high-performance equipment without the upfront cost, while maintaining the flexibility to upgrade when needed.

How quickly can finance be approved?

Our application process is designed to be fast and efficient, with many approvals completed within days.

Is finance available for used or reconditioned cold rooms?

Yes. We finance new, used, and reconditioned equipment, giving businesses options to suit their budget.

Conclusion

Commercial chillers, freezers, cold rooms, and air conditioning systems are vital for UK businesses across retail, hospitality, and healthcare.
With Gable Asset Finance, you can access affordable and flexible finance solutions tailored to your needs, helping you invest in the right equipment without compromising your cash flow.
From supermarkets to specialist retailers, we’re here to support your growth with smart asset finance options.

Contact us today to explore how we can help finance your refrigeration and climate control equipment.