Refrigerated Truck Finance
Finance for refrigerated trucks, chilled trailers, and full cold chain vehicle packages. Carrier and Thermo King refrigerated units on Volvo, DAF, Mercedes, and Scania platforms. Specialist cold chain lenders.
The right structure for every refrigerated truck requirement
Refrigerated Artic Finance
44-tonne refrigerated tractor/trailer combinations for food and pharmaceutical distribution. Specialist cold chain lenders who understand the combined value of vehicle and refrigeration unit.
Refrigerated Rigid Finance
7.5t-18t refrigerated rigids for local and regional food distribution. Volvo FL, DAF LF, Mercedes Atego, and MAN TGL with Carrier or Thermo King bodies.
Multi-Temperature Finance
Multi-temperature (-25°C to +5°C) rigid trucks and trailers for retail distribution - ambient, chilled, and frozen in a single vehicle. Specialist specification financed as a combined package.
Hire Purchase
Full ownership including the refrigeration body at the end of the term. Capital allowances on both vehicle and body equipment.
Finance Lease
Lower monthly cost. Suits cold chain businesses managing fleet age as refrigeration technology advances.
Fleet Finance
Multiple refrigerated vehicles financed together. Food distribution businesses replacing or expanding their cold chain fleet with consolidated fleet terms.
How it works
Vehicle details
Truck type, temperature requirement, refrigeration unit manufacturer, vehicle manufacturer, year, mileage.
Terms
Specialist cold chain CV lenders. Decisions within 24 hours.
Approval
Food distributors, pharmaceutical logistics, and cold chain operators are well-understood by specialist lenders.
Settlement
We settle with the dealer, body builder, or refrigeration supplier.
Ready to discuss Refrigerated Truck Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
Is the refrigeration unit included in the finance?
Yes - the vehicle chassis and refrigeration body are financed as a single combined asset under one agreement.
Can I finance used refrigerated vehicles?
Yes - used refrigerated trucks and trailers in good condition with verified refrigeration unit history are readily financed by specialist cold chain lenders.
What refrigeration unit manufacturers can be included?
Carrier, Thermo King, Zanotti, and Frigoblock refrigeration units are all accepted by specialist cold chain lenders.
Is pharmaceutical cold chain finance different from food?
The finance structure is similar, but pharmaceutical cold chain vehicles often carry higher values due to more precise temperature control requirements. We have access to lenders who understand this distinction.
Can I finance a full cold chain fleet replacement?
Yes - fleet replacement programmes for cold chain businesses are among our most common specialist CV finance mandates.
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