Cold Chain Assets We Finance
Refrigeration Plant
- Walk-in cold rooms and chillers
- Industrial refrigeration compressors
- Evaporators and condensing units
- Dairy and beverage chilling plant
- Pharmaceutical cold storage
Freezing & Blast Freezing
- Blast freezers and blast chillers
- Tunnel freezers for continuous lines
- IQF (individual quick freezing) systems
- Walk-in freezer rooms
- Spiral freezers
Cold Chain Logistics
- Refrigerated transport vehicles
- Temperature-controlled loading bays
- Cold store racking and shelving systems
- Automated cold warehouse systems
- Monitoring and control systems
Worked Example: £150,000 Blast Freezer Installation, 5-Year HP at 7.0%
| Detail | Figure |
|---|---|
| Asset | Industrial blast freezer + installation |
| Total project cost | £150,000 |
| Deposit (10%) | £15,000 |
| Amount financed | £135,000 |
| Rate | 7.0% per annum (HP) |
| Term | 5 years (60 months) |
| Estimated monthly payment | approx. £2,673/month |
| Total cost of finance | approx. £175,380 (inc. deposit) |
| Energy saving benefit | Modern plant typically 20–40% more efficient than older equivalents |
Illustrative only. Actual rate subject to credit assessment.
Indicative Lender Rates - Cold Chain Finance
| Lender | Rate Range | Min. Deposit | Decision Speed | Max. Facility |
|---|---|---|---|---|
| Lloyds Bank | 5.5–8.5% | 10% | 5–10 days | £5m+ |
| Investec | 5.5–9.5% | 10–20% | 3–7 days | £5m+ |
| Close Brothers | 6.5–11.0% | 0–10% | 2–4 days | £2m |
| Aldermore | 6.0–10.5% | 0–10% | 2–5 days | £1m |
| Shawbrook | 6.5–11.0% | 0–10% | 2–4 days | £1m |