Walk-in coolers and freezers are critical for food safety and inventory management—but they’re also among the most expensive investments for restaurants, food trucks, grocery stores, and catering companies. If you’re wondering how to pay for one without crushing your cash flow, here are the best funding options for walk-in coolers and freezers to consider.
How do I fund a walk-in cooler or freezer for my food business?
You can fund walk-in refrigeration through equipment financing, leasing, SBA loans, or commercial loans with low monthly payments and flexible terms.
The cost of a walk-in cooler or freezer depends on size, insulation, and whether it's indoor or outdoor:
Small unit (6’ x 8’): $6,000 – $9,000
Medium (8’ x 10’ or 10’ x 12’): $10,000 – $15,000
Large with installation: $18,000 – $30,000+
Add electrical work, delivery, permits, and installation—and it’s easy to exceed $25,000.
Related: The Best Ways to Lease Restaurant Refrigeration Equipment
Finance 100% of the purchase price
Fixed monthly payments for 2–7 years
You own the equipment once paid off
Ideal for long-term storage needs
✅ Pro Tip: You may be able to finance installation and delivery, too.
Lower monthly cost vs. loans
Option to return or buy at lease end
Often includes maintenance and warranty
Great for new restaurants or temporary locations
Related: Leasing vs. Buying: Commercial Dishwashers and Cleaning Equipment
SBA 7(a) or Microloan programs
Long repayment terms (up to 10 years)
Low interest rates and flexible use of funds
Good for startups or major expansions
Use for refrigeration and other upgrades
Ideal if bundling other kitchen investments
Quick funding (often in 1–5 days)
Best for businesses with 1+ year in operation
To qualify for funding, be prepared to share:
Business license or EIN
Walk-in unit quote or invoice
3–6 months of bank statements or business financials
Personal and/or business credit score
Time in business (though startups can qualify)
| Walk-In Unit Specs | Cost | Term | Monthly Payment |
|---|---|---|---|
| 8’ x 10’ cooler + install | $12,000 | 48 months | ~$315/month |
| 10’ x 12’ freezer | $18,500 | 60 months | ~$390/month |
✅ Preserve working capital for food, staff, and marketing
✅ Break up a large cost into manageable chunks
✅ Get the equipment you need now—not months later
✅ Tax-deductible payments in many cases
(Google Snippet Ready ✅)
Equipment financing
Leasing programs
Business loans or lines of credit
Reliable cold storage is non-negotiable in the food industry. Whether you run a food truck, café, grocery store, or catering company, funding your walk-in cooler or freezer is a strategic move that protects your product and your bottom line.
Don’t wait until your current fridge fails.
Explore financing options for walk-in coolers and freezers today—and keep your business cool under pressure.