Refrigeration and Walk-In Financing — Move Fast When the Cooler Dies
Refrigeration is the one piece of equipment that, when it fails, takes your whole operation down with it. Spoilage in the walk-in, ice machine out on a Friday night, reach-ins limping along all summer — every restaurant has the story. We move fast on refrigeration because the cost of slow is what’s in your inventory.
We finance walk-in coolers and freezers, reach-ins, refrigeration systems, ice machines, prep-rail units, and bar coolers across any brand — True, Beverage-Air, Norlake, Hoshizaki, Manitowoc, or whatever the project specs. It’s one piece of the broader restaurant equipment financing we provide across North Carolina, from a single replacement unit to a full kitchen.
Emergency Replacements — 24 to 48 Hours
When a unit fails, the clock starts. Sixty-second pre-qual, same-day approval, and we fund the dealer or installer the moment they can ship. Most emergencies have a unit on order within 24 to 48 hours of the first call.
That’s not a sales line — it’s the realistic outcome of our credit decisions and the way we pay vendors directly. The bottleneck is usually the unit’s availability, not the financing.
Used and Refurbished — Fully Financeable
Standard dealer financing locks you to new equipment from approved sellers. We’re vendor-agnostic, which means used walk-ins from a private seller, refurbished reach-ins from a used-equipment auction, or off-lease units from a restaurant that closed last quarter are all fair game.
For a startup or a tight-margin operator, used can save you 40% or more. We finance it the same way.
Installation, Electrical, Freight — All In One Agreement
Refrigeration soft costs aren’t optional. The electrical, the freight, the install crew, the slab work — they all add up to a real number. We roll them into the same finance agreement so you have one payment instead of three. The dealer ships, the installer sets, and the financing covers all of it.
Planned Upgrades and Energy Efficiency
If you’re not in an emergency, refrigeration upgrades pay back fast. Modern walk-in compressors and EC-motor reach-ins run dramatically lower on power. We can structure the financing against the projected energy savings so the unit largely pays for itself over the term.