Spread the cost of cold store racking from £10,000 to £400,000+ with flexible finance options. HP, lease, or refinance
Yes, cold store rackings are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £10,000 to £400,000, and most deals are written over 12–72 months with a deposit of around 10–20%. Decisions typically take 24–72 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£10k – £400k
Approval Speed
24–72 hours
Same-day for < £50k
Rates From
4.9% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical cold store racking price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £70,000: a 10% deposit of £7,000, then 48 monthly payments of £1,477 at 5.9% APR representative (fixed). Total amount payable £77,896, including the deposit. The rate you are offered depends on your business and the asset.
Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.
| Machine or specification | Guide price | Type |
|---|---|---|
| Panel & racking package, small cold store (specification class) | £15,000 – £50,000 | Panel & Racking Package (small cold store) |
| Pallet racking, -25C blast freezer store (specification class) | £30,000 – £120,000 | Cold-Rated Pallet Racking |
| Drive-in racking, frozen bulk storage (specification class) | £40,000 – £150,000 | Drive-In Cold Store Racking |
| Mobile racking, chilled distribution centre (specification class) | £80,000 – £300,000 | Mobile (Mechanised) Cold Store Racking |
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For UK limited companies with 3+ months’ trading and monthly revenue.
Cold store racking generally qualifies for the Annual Investment Allowance, so the cost can typically be set against taxable profits in the year of purchase. Racking is bolted-together storage equipment rather than part of the building's cooling system, so it is usually treated as moveable plant for capital allowances even where it sits inside a purpose-built cold store, unlike the insulated panels and refrigeration plant around it.
Cold store racking is bought by frozen and chilled food distributors, third-party logistics operators and food manufacturers building or extending pallet storage in a cold environment. Because racking is one part of a wider cold store build alongside insulated panels and refrigeration plant, it is often financed as a distinct equipment line even when installed as part of a single construction project. Mobile and drive-in systems cost more per pallet position than static racking but increase how much stock a fixed cold store footprint can hold, which is why the choice between racking types is usually driven by the building's floor area rather than budget alone. Replacement or expansion is generally driven by a change in throughput or pallet volume rather than the racking wearing out, since well-specified racking has a long working life, and a modest used market exists for standard static racking removed from closed sites.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
See how lenders treat hvac & refrigeration assets
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.