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Body Storage Rack Finance

Spread the cost of a body storage rack from £1,000 to £8,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.

Can you finance a body storage rack?

Yes, body storage racks are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £1,000 to £8,000, and most deals are written over 24–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£1k – £8k

Approval Speed

24–48 hours

Same-day for < £5k

Rates From

6.0% APR

What would a body storage rack cost per month?

£3,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical body storage rack price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.5% APR
Term
24–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
A mortuary or funeral home's fixed storage racking, installed once and expected to last for many years

Finance Lease

Rate
From 6.0% APR
Term
24–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Bundling racking with a new refrigerated cabinet purchase into one deductible payment

Operating Lease

Rate
From 6.8% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
A facility trialling extra racking capacity ahead of a wider mortuary expansion

Representative example

On a purchase price of £3,000: a 10% deposit of £300, then 48 monthly payments of £63 at 5.9% APR representative (fixed). Total amount payable £3,324, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Single-Tier Body Storage Rack £1,000 – £2,500 Single-Tier Storage Rack
Multi-Tier Racking System (cabinet insert) £2,500 – £6,000 Multi-Tier Racking System
Coffin/Bier Racking (chapel storage) £1,500 – £4,000 Coffin Racking

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Tax benefits

Body storage racking qualifies for the Annual Investment Allowance, so a purchase or HP agreement can usually be deducted against taxable profit in the year of purchase, and lease payments are deductible in full as they are paid.

Market context

Body storage racking is bought by funeral homes, hospital mortuaries and forensic facilities, most often alongside a refrigerated cabinet purchase rather than as a standalone item, since racking is generally fitted inside or alongside refrigeration equipment. A facility finances racking as part of that wider refrigeration purchase because it's usually supplied and invoiced by the same equipment manufacturer as one system. Replacement is generally driven by a facility upgrading its refrigeration equipment at the same time, or by adding capacity as caseload grows, rather than the racking itself wearing out, since stainless steel racking of this kind is built for long-term use. Given how closely tied this equipment is to specific cabinet models, there is limited standalone used market, and most purchases are new equipment matched to the facility's cabinets.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Is body storage racking usually financed separately from a refrigeration cabinet?
Not usually; racking is generally fitted inside or alongside a specific refrigeration cabinet and is normally bought and financed as part of that same purchase, provided everything is itemised on the supplier's invoice. Financing it as one combined item with the cabinet is the more common and straightforward approach. If you already have a cabinet in place and simply need replacement racking, that can also be financed on its own, though it's worth checking compatibility with the existing unit before ordering.
Can I finance additional racking to expand capacity within an existing cabinet?
Yes, adding extra racking or trays to expand the capacity of an existing cabinet can be financed on its own, provided it's itemised on a supplier invoice, even where the original cabinet purchase was financed separately or some time ago. This is a straightforward way to add capacity without replacing the whole refrigeration unit. This is a common step for a facility that's seen caseload grow gradually and wants to add capacity in stages, rather than committing to a full new cabinet before it's clearly needed.
Does racking need to match a specific cabinet manufacturer?
In most cases, yes, since racking is generally designed to fit a specific manufacturer's cabinet dimensions and door configuration. It's worth confirming compatibility with your cabinet supplier before ordering racking from a different manufacturer, to avoid a fit issue once the equipment arrives. If you're unsure which racking will fit, most suppliers can confirm compatibility from the cabinet's model number or a photograph of the existing installation before you commit to an order.
Is hire purchase or a lease better for body storage racking?
Most facilities choose hire purchase, in keeping with how they finance the refrigeration equipment it's fitted into, since racking is a fixed, long-life fitting the facility wants to own outright. Where racking is added as a trial expansion ahead of a wider mortuary upgrade, a shorter lease is sometimes used instead. Given the relatively low cost of racking on its own, most facilities find this a straightforward decision that follows whatever approach they've already taken for the cabinet it sits inside.
How quickly can body storage rack finance be approved?
Given the modest cost involved, most standalone racking applications are approved within 24 to 48 hours, provided the facility has a clean credit history and a clear supplier quote. Where racking is part of a larger refrigeration cabinet purchase, approval follows the timeline of that wider application. As with other lower-cost mortuary equipment, this is rarely the item that holds up a wider refrigeration or fit-out application.

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Guides and resources

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