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For commercial and industrial refrigeration projects (cold rooms, cold stores, process cooling) — not household fridges, home freezers or appliance repair. Results are planning estimates, not engineering design or safety advice; a qualified refrigeration engineer must confirm sizing before purchase.
Model a hypothetical amortising loan for a cold storage project: monthly payment and total interest from your own inputs. Not an offer, quote or eligibility check.
Standard engineering assumptions
Financing Disclaimer: ColdMatch Group is not a lender, bank, financial institution, credit provider, investment advisor or regulated financial services provider. Financing options, where available, are offered exclusively by independent third-party providers. Financing is not guaranteed and remains subject to the provider's eligibility, compliance checks and approval.
Free for buyers, no obligation. These figures are estimates, not quotes — our team reviews your request and contacts suitable suppliers on your behalf.
Estimates Only: This calculator is provided for general informational purposes only. Results are approximate and may contain errors, omissions, or outdated information. They do not constitute legal, financial, engineering, tax, technical, or professional advice. Users are solely responsible for independently verifying all calculations, specifications, prices, regulations, and requirements with qualified professionals before making any decisions. By using this calculator, you acknowledge that the website owners, operators, and affiliates accept no responsibility or liability for any loss, damage, or decisions resulting from its use.
Cold-chain project financing is modelled as an amortising loan: monthly payment = principal × r ÷ (1 − (1 + r)^−n), where r is the monthly rate and n the number of months. Industrial refrigeration projects are typically financed over 5–10 years, with 10–30 % equity, and ECA-backed or leasing structures are common for imported equipment.
Monthly payment = P × r ÷ (1 − (1 + r)^−n) · Total interest = (payment × n) − P
Reviewed by ColdMatch refrigeration engineers
Currency, rates and time do not have metric or imperial equivalents, so no physical-unit switch is applicable to this calculator.
Illustrative financing of a USD 2,000,000 project with 15% down over seven years at 7.5%.
Illustrative total paid, including the down payment: about USD 2,490,306.
Illustrative planning result only. Confirm the final design, duty, equipment selection and performance with a qualified refrigeration engineer and supplier quotation.
Project financing
Limitations
This is a preliminary planning estimate based on the assumptions you entered, not a refrigeration-engineering design, a certified load calculation or a quotation. Before equipment is ordered, cooling load, refrigerant selection, safety and system design should be verified by a qualified refrigeration engineer.
Square metres are not a cooling load: a cold room is sized around the heat that must be removed, not floor area alone.
Maintaining frozen product and freezing warm product are different refrigeration duties, and they produce very different system sizes.
Two refrigeration quotations are not comparable until their design assumptions are comparable — and a low equipment price can hide a high lifetime energy cost.
Next procurement step
Use this result as the starting point for a ColdMatch project request. Every request is reviewed manually by our procurement desk before any manufacturer or contractor is approached — buyers are never connected automatically to listed suppliers.
Turn this calculation into an RFQBrowse the matching equipment categoryAI agents may use ColdMatch calculators to structure preliminary cold-storage requirements and RFQs. Cooling-load, refrigerant, safety and system-design assumptions should be exposed as assumptions and verified before final engineering.
The main categories are equipment leasing, project loans, export-credit-backed facilities and inventory finance. ColdMatch does not source, arrange or offer any of these; it organizes the procurement brief and, only with your separate explicit consent, may introduce the project to independent financing providers who set their own terms.
No universal figure exists. Down-payment and equity expectations vary by provider, country, structure and borrower profile, and any percentage you enter here is a hypothetical input for illustration — not a quote, a market standard or a term any provider has committed to.
Sometimes. Whether installation and civil works can be included in a financed amount depends entirely on the provider and the structure; there is no standard loan-to-value ratio you can rely on. Treat any such assumption as a scenario to test, not an available term.
With the standard amortising-loan formula: capital × rate ÷ (1 − (1 + rate)⁻months), applied to the financed amount after your down payment. This calculator models that one loan scenario only — it is not a model for leases, export-credit structures or project finance, which compute payments differently. Fees, taxes, insurance, grace periods and variable-rate changes are excluded.
Interest plus any arrangement or structuring fees; the calculator shows nominal interest and the total paid over the term separately. ECA-backed facilities usually carry lower rates because an export credit agency covers part of the risk — but they add their own fees and longer approval timelines.
It is a planning figure. Real terms depend on your company's credit, the security offered, the country and the equipment's residual value. ColdMatch does not lend or give financial advice: qualified projects may be introduced to independent financing partners, who quote under their own criteria.
Run the ROI calculator first to get payback and IRR on the equipment investment, then use this tool to see what the monthly service costs. If the annual payment is a large share of the annual benefit, the deal only works with longer terms, ECA cover or a smaller scope in phase one.
Unsure about a term? See the cold chain glossary (CAPEX, OPEX, blast freezing).
We'll send your calculator inputs to a ColdMatch sourcing specialist, who reviews the project before any supplier research begins. No obligation.
Your size, cost and load inputs are copied into the quote form, so you don't type them twice. Nothing is sent until you review and submit.
Free for buyers, no obligation. These figures are estimates, not quotes — our team reviews your request and contacts suitable suppliers on your behalf.
Send your requirements. A ColdMatch specialist reviews every request, prepares a brief and introduces suitable suppliers — free for buyers.
