Check financing eligibility for a cold storage project
Indicative screening for consultants and project owners: equity requirement, debt service coverage ratio, and the financing routes lenders typically consider for this profile. ColdMatch Group is not a lender, broker or financial adviser.
- • Equipment leasing / hire purchase
- • Commercial bank project loan
- • Export credit agency (ECA) buyer credit on imported equipment
Supplier quotes are what lenders ask for first. Start an RFQ, then review financing routes with documented pricing.
ColdMatch Group is a supplier-neutral procurement platform — not a manufacturer, contractor or lender.
Consultants use this screen to tell a client whether the project is bankable before a lender conversation — without acting as a broker.
We do not replace the consultant. ColdMatch Group is a supplier-neutral procurement platform — not a manufacturer, contractor or lender.
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 Results are approximate and may contain errors, omissions, or outdated information.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.
Lenders screen cold storage projects on four things: equity contribution (commonly 20–40% of CAPEX, with 30% a frequent minimum), debt service coverage ratio (typically 1.25–1.4x minimum on projected EBITDA), borrower track record and audited accounts, and security or contracted offtake. Typical routes are equipment leasing from about USD 250K, commercial bank project loans, export credit agency buyer credit on imported equipment above roughly USD 1M, and development finance facilities on larger contracted projects. ColdMatch Group is not a lender, broker or financial adviser — this is an indicative screen only.
Frequently asked questions
How much equity is needed to finance a cold storage project?
Most lenders look for 20–40% equity, with 30% a common benchmark. Below 20% the file usually needs additional security, a corporate guarantee or contracted offtake.
What DSCR do lenders require for cold storage?
A projected debt service coverage ratio of 1.25–1.4x is the usual threshold. Above 1.6x the profile is considered strong; below 1.2x lenders normally ask for a longer tenor, more equity or higher contracted revenue.
Which financing routes suit imported refrigeration equipment?
Export credit agency buyer credit is common where the equipment is manufactured in a country with an active ECA, typically on packages above USD 1M. Equipment leasing suits smaller packages from about USD 250K.
Do lenders need supplier quotes before approving?
Almost always. A documented, comparable quote package with scope and delivery terms is what converts a business plan into a credit file, which is why the RFQ usually comes before the lender conversation.
Does ColdMatch Group provide financing?
No. ColdMatch Group is a supplier-neutral procurement platform, not a lender, broker or financial adviser. We help document the project so buyers can approach their own banks or financing partners.
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