For most businesses cold chain equipment is too large an item to pay for in one go, and a loan product aimed at machinery and equipment purchases is one route. The document list varies between institutions, but a technical file is asked for the same four things.
- A dated pro forma or quotation with a validity period: what will be bought, how many, from which supplier, and what the tax and delivery scope covers.
- A short business case for what the equipment will do, from current records: loss, outsourced service cost or capacity need.
- A simple calculation showing the return on the investment. You need it for your own decision before the bank needs it.
- The financial statements of the business.
| Line | Where it comes from | Example |
|---|---|---|
| Annual loss | Loss records | TRY 180,000 |
| Annual consumables (dry ice, single-use packaging) | Invoices | TRY 120,000 |
| Electricity and maintenance in the new setup | Estimate | TRY 60,000 |
| Annual difference | First two added, third subtracted | TRY 240,000 |
| Investment | Pro forma | TRY 960,000 |
With these example figures, dividing the investment by the annual difference gives a simple payback of 4 years. Get rates, fees, term, payment start, security and early repayment provisions from the institution in writing, since terms vary by institution and period.
Timing is what people miss most: assessment time added to equipment lead time makes the total longer than expected, and a process started in mid-season does not make that season. Ask the supplier for the technical specification sheet and the lead time along with the pro forma, from the start; a finance decision does not guarantee the delivery date.
