Winnipeg Cold Storage Equipment Financing for Food Processors

From pork processing to produce packaging, Winnipeg’s food industry is scaling fast—and cold storage has become a critical part of the supply chain.

Whether you're expanding a HACCP-certified facility, building a new freezer section for export goods, or modernizing an older warehouse, the reality is:

Cold-storage infrastructure is capital-intensive—and essential.

Freezer units, racking systems, insulation panels, and automated conveyors can cost $50K to $500K+. That’s why Manitoba food processors are turning to equipment financing to expand facilities without sacrificing working capital.

What Cold Storage Equipment Can Be Financed?

At Mehmi, we finance a full range of cold-storage systems and warehouse gear, including:

• Commercial walk-in freezers and coolers
• Refrigeration compressors and condenser systems
• Insulated panel wall systems
• Racking and pallet flow shelving
• Blast freezers and flash chillers
• Automated storage & retrieval systems (AS/RS)
• Forklifts, dock equipment, and freezer-safe material handlers
• Cold-chain monitoring and temp sensor tech

✅ New or used equipment eligible
✅ Dealer, manufacturer, or private-sale purchases supported
✅ Install, electrical, and insulation labor can be bundled into the loan

Why Winnipeg Processors Choose Financing

Food processing margins are tight. Equipment needs often arise before seasonal contracts or retailer purchase orders are finalized.

Financing helps businesses:

• Preserve working capital for packaging, staffing, and shipping
• Act quickly when adding new customers or expanding SKUs
• Comply with food safety or export standards (e.g. temperature tracking, CFIA requirements)
• Plan monthly payments around production seasonality

Explore: Working Capital & Equipment Line of Credit

Financing Options in Manitoba

❄️ Equipment Loan

• Full ownership at end
• Terms: 24–84 months
• Rates from 6.99%–13.99% depending on credit and asset
• Eligible for Capital Cost Allowance (CCA) and interest deductions

❄️ Lease-to-Own

• Lower monthly payments
• Buyout option ($1 or FMV)
• Useful for asset refresh every 4–6 years

❄️ Sale-Leaseback

Own cooling gear already? Lease it back to unlock equity and reinvest in expansion.

Explore: Refinancing & Sale-Leaseback

Case Study: Freezer Expansion for Protein Processor in Winnipeg

Business: Mid-size poultry processing plant
Challenge: Needed to expand cold storage for new retail distributor contract
Solution:

• Financed $260K in freezer panels, shelving, and dock lifts
• Structured 60-month loan with first payment deferred 90 days
• Included installation and subtrade invoices under same approval

Result: Met distributor timeline, expanded freezer capacity 45%, hit ROI within 9 months

Sample Monthly Payments

Subject to equipment age, business credit, and vendor terms.

What You’ll Need to Apply

✅ Manitoba business registration or corporation number
✅ Equipment quote or bill of sale
✅ Site location (owned/leased facility)
✅ Credit score (650+ ideal, but flexible programs available)
✅ Optional: Purchase order or contract with new client/distributor

Explore: Equipment Leasing & Loans

Final Word: Don’t Let Cold Storage Delay Growth

Winnipeg’s processors are stepping up to meet export demand, national grocery contracts, and local market expansion. But if your cold storage can’t keep up, neither can your operation.

Mehmi offers equipment loans with flexible terms, fast approvals, and deep experience supporting Canada’s food industry.

Looking to finance a cold-storage warehouse upgrade in Winnipeg?
Speak to a credit analyst or calculate your monthly payment in minutes.

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