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Commercial Battery Finance

Finance SME-scale commercial battery storage from £15,000 to £250,000, for backup power and pairing with existing solar. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a commercial battery?

Yes, commercial batterys 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 £15,000 to £250,000, and most deals are written over 12–84 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£15k – £250k

Approval Speed

24–48 hours

Often bundled with existing solar

Rates From

4.6% APR

What would a commercial battery cost per month?

£60,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical commercial battery price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.0% APR
Term
12–84 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Small and mid-sized businesses wanting to own the battery outright

Finance Lease

Rate
From 4.6% APR
Term
12–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.6% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Zero upfront cost. Off balance sheet.

Representative example

On a purchase price of £60,000: a 10% deposit of £6,000, then 48 monthly payments of £1,266 at 5.9% APR representative (fixed). Total amount payable £66,768, 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
GivEnergy AIO 10.5kWh (3-Phase Commercial) £8,000 – £12,000 All-in-One Battery Inverter
BYD Battery-Box Premium HVM (22kWh) £12,000 – £18,000 Modular Stackable Battery
Tesla Powerwall 3 (Multi-Unit Commercial Install) £9,000 – £13,000 per unit AC-Coupled Battery
Pixii PowerShaper Cabinet (50kWh) £35,000 – £55,000 Cabinet BESS

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Tax benefits

Commercial batteries at this scale generally qualify as plant and machinery for capital allowances, so a business can typically set some or all of the cost against taxable profits through the Annual Investment Allowance or other first-year reliefs, depending on total qualifying spend for the year. Confirm current treatment with your accountant before finalising the finance structure.

Market context

The typical buyer here is a smaller business, often a retailer, hospitality site, workshop or office, that already has or is adding a modest rooftop solar array and wants to use more of its own generation rather than exporting it cheaply, or that simply wants short-duration backup power for a few critical circuits during outages. Systems in this range are usually installed alongside an existing electrical supply without major grid works, which keeps installation timelines short compared with larger containerised systems. Sizing is normally driven by how much surplus solar generation there is to store or how many hours of backup a business realistically needs, and is best worked through with an installer before ordering.

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

Do I need solar panels to justify a commercial battery?
No, a battery can be installed as a standalone system purely for backup power or to shift consumption to cheaper off-peak electricity rates where your tariff supports it. That said, batteries are most commonly installed alongside solar, since they let a business use its own generation in the evening rather than exporting it at a lower rate and buying it back later at a higher one. Either use case can be financed the same way.
How much backup power does an SME battery actually provide?
This depends entirely on the battery's capacity and how much load you run during an outage; a system sized to run a few essential circuits (lighting, tills, servers) for several hours is very different from one intended to keep an entire site running. Rather than assuming a runtime, ask your installer to size the system against a list of the specific circuits you'd want to keep powered, so the finance amount matches the actual protection you need.
What deposit is needed for SME battery storage finance?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit, and some lenders offer close to 100% finance for smaller commercial battery installations, particularly where they're bundled with an existing or new solar array on the same invoice. Newer businesses or those with a thinner credit file may be asked for a deposit toward the higher end of that range, while an established business with several years of accounts can sometimes negotiate it lower, so it's worth discussing your specific position with a broker before assuming a fixed figure.
Will a commercial battery reduce my energy bills?
It can, by storing cheaper or self-generated electricity for use at more expensive times, but the actual saving depends on your tariff structure, how much surplus solar you have (if any), and your consumption pattern. Rather than quoting a fixed saving, ask your installer to model your specific bills against the proposed battery size so you can compare that estimate with the finance repayments before committing.
How quickly can I get commercial battery finance?
Most applications at this scale are approved within 24 to 48 hours once a supplier quote and recent accounts are provided. For deals under roughly £30,000, same-day approval is common, particularly where the battery is being added to an existing solar installation and the electrical works are straightforward. In practice, the businesses that get the fastest decisions are the ones who apply with a complete picture already in place: recent accounts, a clear supplier quote and a short note on how the equipment will be used.

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