Blast chiller finance
Blast chillers are bought for food safety and kept for the margin, because cooking ahead safely is what lets a small brigade serve a big room.
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Can you finance a blast chiller?
Yes, and blast chillers are one of the easier catering assets to fund. They are self-contained, branded, serial numbered and wanted on the used market, so funders treat them as genuine hard security rather than soft kitchen kit. Hire purchase is the usual structure and reconditioned units from dealers are fundable. The practical thing that catches buyers out is access: a large roll-in Irinox or Foster may not fit through the kitchen door, and the cost of removing a window or a wall section to get it in is builders’ work that will not sit on the agreement.
Used kit: Yes. Reconditioned blast chillers are a well-established market and funders accept them readily, provided a dealer has serviced the refrigeration system and can supply the serial number and a warranty.
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What would a blast chiller cost per month?
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
How lenders treat it
This is one of the few hospitality purchases where the equipment genuinely helps the application. A Williams or Foster blast chiller holds its value, dealers buy them, and a funder can picture recovering one, which is more than can be said for the canopy or the fit-out. Expect the usual sector caution nonetheless: hospitality carries a risk loading, and the underwriting still runs on filed accounts, bank conduct and time trading. New-start venues remain hard. The soft element is small here compared with most kitchen projects, which is a real advantage — a blast chiller invoice is mostly recoverable equipment rather than installation, so more of what you are buying is genuinely fundable.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Foster BCT Series blast chiller | Undercounter blast chiller for small kitchens |
| Foster roll-in blast chiller | Trolley-in chiller for volume production |
| Williams WBC Series blast chiller | Reach-in blast chiller cabinet |
| Williams blast chiller cabinets | Upright chillers for restaurant kitchens |
| Irinox MultiFresh Next | Multi-function blast chiller and freezer |
| Irinox EasyFresh | Compact blast chiller for small sites |
| Electrolux Professional SkyLine Chill | Blast chiller matched to combi ovens |
| Precision blast chillers | British-built blast chiller cabinets |
| Gram blast chillers | Energy-efficient chiller cabinets for production kitchens |
| Polar blast chillers | Entry-level countertop blast chillers |
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Who buys one
Banqueting and conference hotels cooking ahead for large covers, contract and event caterers working to HACCP documentation, gastropubs running a cook-chill system to cover thin staffing, and bakeries and patisseries freezing at production speed. The trigger is nearly always a documented food safety requirement or an audit, closely followed by kitchens that have realised they cannot serve two hundred covers to order with the brigade they can actually recruit.
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How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Blast chiller finance questions
Do I need a blast chiller to satisfy environmental health?
Not automatically, but if you cook ahead and chill, your safe method has to bring food through the danger zone quickly and you need records to prove it. A blast chiller does that reliably and prints the evidence. Many operators buy one after an inspection or an audit raises questions about how they are cooling large batches.
Is a roll-in blast chiller harder to finance than a reach-in cabinet?
No, and the larger machine is often easier because the value clears the funder’s minimum comfortably and roll-in units from Irinox or Electrolux hold their price. The harder part is physical rather than financial: check the delivery route, the door widths and the floor before you order, because access problems create costs finance will not cover.
Can I fund a blast chiller and a walk-in freezer at the same time?
Yes, and it makes a strong schedule. The blast chiller is hard security and the freezer room is part hard, part fixture, so the two balance each other from an underwriting perspective. One facility covering both is usually easier to place than the freezer room on its own and leaves you with a single payment.
Does a blast chiller need special installation?
Less than most refrigeration. Self-contained cabinets plug in and need only clear ventilation space and a drain; remote versions need a condenser and pipework. That low installation content is one reason funders like them, because nearly the whole invoice is equipment they could recover rather than labour they could not.
Will the finance cover a service plan with the machine?
Sometimes, if the supplier includes it on the same invoice and it is a fixed-term plan rather than an open-ended subscription. Funders will generally allow a modest maintenance element alongside a strong asset. Ongoing monthly service contracts billed separately are running costs and belong in your overheads, not on an asset agreement.
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See everything we fund in catering and hospitality finance →
Not an offer of finance. All finance is subject to status, affordability and lender approval.
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