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The Uk's premier commercial refrigeration
& catering equipment specialist

We are closed from Wednesday 23rd December to Monday 4th December. Cut-offs for free next day deliveries are Tuesday 22nd December.

Commercial Leasing

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Table of leasing costs

Example of costs depending on duration of lease agreement against cost of equipment. 

  2 Years 3 Years 4 Years 5 Years
£1,000.00 Monthly payments £51.00 £36.00 £28.00 £23.50
Total £966.96* £1023.84* £1061.76* £1113.90*
£2,000.00 Monthly payments £102.00 £72.00 £56.00 £47.00
Total £1933.92* £2,047.68* £2,123.52* £2,227.80*
£3,000.00 Monthly payments £153.00 £108.00 £84.00 £70.50
Total £2900.88* £3071.52* £3185.28* £3341.70*
£4,000.00 Monthly payments £204.00 £144.00 £112.00 £94.00
Total £3867.84* £4095.36* £4247.04* £4455.60*

*All payments shown are subject to businesses trading in excess of 3 years, status and Vat.  These repayment  values are based on 21% tax relief. (tax relief shown is for illustration purposes only) Please contact us to discuss how tax relief can work for you or alternatively your accountant will be able to clarify matters for you.

What is a  lease agreement?

Leasing is basically a rental agreement giving you (the lessee) the right to use an asset owned by the lessor (finance company) for a fixed period of time in return for regular payments (rental payments), and is a tried and trusted method of growing a business without reducing it’s cash flow.

How can my business benefit from leasing?

All businesses can benefit from utilising equipment leasing. Whether the business is new or established, financially strong or challenged. Leasing will provide you with the necessary equipment, when you need it without the large down payments generally required by banks.

What types of equipment can I lease?

Commercial leasing from Fridge Freezer Direct gives you the opportunity to afford that piece of equipment you need at an affordable price over time. This includes serve overs, merchandisers, cookers, chest freezers , in fact any product that falls into our commercial category. We are happy to provide you with the best solution for your business needs.

The value of the commercial product(s) to be leased must be £1000.00 or more excluding VAT.

Do I need a large down payment?

Typically a large deposit is not necessary. You can start your lease with normally either one or three months rentals in advance.

I need to raise some money, can I finance equipment I already own?

Yes, this is known as sale and leaseback - where one party sells a property to a buyer and the buyer immediately leases the property back to the seller. This arrangement allows the initial buyer to make full use of the asset while not having capital tied up in the asset. Leasebacks sometimes provide tax benefits.
Generally any asset with a proven resale value which can be uniquely identified with a serial number or other form of identification can be used for sale and leaseback.

My credit isn't perfect, will I be able to have a lease?

Past credit issues do not necessarily disqualify you from obtaining a lease. The underwriters will consider many factors such as, how long you have been in business, what equipment you are buying and your current business performance.

What are the tax benefits?

Leasing is wholly allowable against taxable profits.

What are the end of term options if I lease? Do I own the equipment?

At the end of the leasing term, providing you have fulfilled the terms of the lease, you will own the equipment.

Who services or maintains my catering equipment or commercial refrigeration?

As a lessee, you receive all the benefits of "buyer" warranties and are therefore, responsible for the care and maintenance of the equipment.

What about insurance?

For your protection as well as our own, as legal owners of the equipment, we require that all leased equipment be insured.

Why is leasing cash flow friendly?

Leasing allows you to pay affordable monthly payments and spread the equipment cost over its useful life. Purchase means that you are paying for 3 or 4 years use up front. Would you pay an employee's salary, 3 years in advance?

Why lease commercial refrigeration & catering equipment, rather than buy it?

Leasing technology equipment makes economic sense. It gives you use of the equipment for as long as it's useful to you. Rather than paying for three or four year's use up front, as you do when you buy, you spread the payments over the useful life of the equipment. Also you can expense the payments and you have the flexibility to acquire the latest technology when you need to.

Downloadable proposal form

Click here to download a proposal form or call us now on 01455 234776 ( we aim to give you an answer within 24 hours)

Fridge Freezer Direct is rated 4.71 stars by Reviews.co.uk based on 821 merchant reviews

4.71 / 5 Rating
821 Reviews
Easy process and quick delivery
Jono in your sales department promised us delivery on a Polar fridge within 2 days and it took 5. As it was for a commercial kitchen and at a weekend, our busiest period, this caused real problems. Delivery driver was great and delivered it right into the kitchen.
Brilliant service from Luke. Fridge had to travel to Guernsey so I now have to recoup the VAT which I'm sure will be straightforward.