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Conveyor Belt System Finance

Spread the cost of a warehouse or production conveyor system from £15,000 to £250,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a conveyor belt system?

Yes, conveyor belt systems 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 24–72 months with a deposit of around 10–20%. Decisions typically take 1–2 weeks. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£15k – £250k

Approval Speed

1–2 weeks

Full design and quote required

Rates From

6.3% APR

What would a conveyor belt system cost per month?

£80,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical conveyor belt system price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.8% APR
Term
24–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Fixed installations built into the building fabric

Finance Lease

Rate
From 6.3% APR
Term
24–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Refinance

Rate
From 7.2% APR
Term
24–60 months
Deposit
None required, releases capital from the owned asset
Ownership
Retained, capital released against it
Best for
Releasing capital from an installed system already owned

Representative example

On a purchase price of £80,000: a 10% deposit of £8,000, then 48 monthly payments of £1,688 at 5.9% APR representative (fixed). Total amount payable £89,024, 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
Modular Roller Conveyor Line £15,000 – £45,000 Roller Conveyor (short run)
Belt Conveyor System £30,000 – £90,000 Belt Conveyor (medium run)
Sortation Conveyor System £80,000 – £180,000 Automated Sortation Line
Full Site Pick-to-Belt Installation £120,000 – £250,000 Full-Site Conveyor Installation

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Tax benefits

Conveyor systems qualify for the Annual Investment Allowance (AIA), letting you deduct the full installed cost from taxable profits in the year of purchase, subject to the current AIA limit, with any balance above it attracting writing-down allowances given the size of a typical installation. Hire purchase lets you claim capital allowances as you own the asset from day one. Finance lease payments are treated as a revenue expense and are usually fully deductible against profits.

Market context

Conveyor systems are specified by e-commerce fulfilment centres, parcel carriers, food and drink manufacturers and general distribution operations moving high volumes of goods between picking, packing and despatch. Because each system is designed around a specific building and process rather than bought off a shelf, pricing is quoted per project rather than per unit, and quotes are usually for design, equipment and installation together as a single package. Most conveyor installations are financed through hire purchase or a finance lease over a period that reflects the building lease and expected process life, since the system is typically fixed into the site and not something a business would move or return partway through. Replacement or extension is generally driven by growth in volume or a change in the picking process rather than by the mechanical parts wearing out, and there is a modest secondary market for standard modular sections but very little for a fully bespoke, integrated line.

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

Can conveyor design, equipment and installation all be financed together?
Yes, most lenders that finance conveyor systems will fund the full project cost, including design, the physical conveyor sections, controls and installation labour, as one agreement rather than separating equipment from the build work. It's worth asking your systems integrator to itemise the quote clearly so the lender can see exactly what's included, since a mix of hardware and services on one invoice is normal for this type of project and doesn't usually complicate the application.
Is a bespoke conveyor system harder to finance than standard modular sections?
Not usually, though because a fully bespoke installation has little resale value outside the building it's fitted into, lenders will focus more on the business's ability to make the repayments than on the asset itself as security, similar to how they'd treat a shop or office fit-out. A clear specification, a fixed-price quote from the integrator and evidence of the site lease term all help support the application, particularly for larger installations.
What deposit is typical for a conveyor system?
Hire purchase typically asks for 10 to 20 percent deposit on a conveyor installation, similar to other fixed equipment purchases. Given the wide range in project size, from a short modular roller run to a full sortation installation, the actual deposit varies considerably, so it's best discussed against a firm quote once the design is finalised rather than estimated in advance.
Can I refinance an existing conveyor system to fund an extension?
Yes, if you already own a conveyor system outright, refinance lets you release capital against it to fund an extension, a new sortation section, or a separate project elsewhere in the business. The amount available depends on the age, condition and remaining useful life of the installed system, and because it's a fixed installation rather than a portable asset, lenders will usually want details of the building lease alongside the system's condition.
How long does approval take for a conveyor system?
Given the project nature of most conveyor installations, approval typically takes longer than for a single piece of mobile equipment, often one to two weeks, since the lender needs to review the full design, the integrator's quote and, for larger projects, the site lease and construction timeline before agreeing terms.

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