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Conveyor System Finance

Spread the cost of a warehouse conveyor system from £20,000 to £400,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a conveyor system?

Yes, conveyor 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 £20,000 to £400,000, and most deals are written over 36–84 months with a deposit of around 15–20%. Decisions typically take 3–5 working days. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£20k – £400k

Approval Speed

3–5 working days

2–3 weeks for large multi-zone systems

Rates From

5.8% APR

What would a conveyor system cost per month?

£90,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 6.2% APR
Term
36–84 months
Deposit
15–20%
Ownership
Yours at the end
Best for
Warehouse and distribution operators wanting to own the system outright

Finance Lease

Rate
From 5.8% APR
Term
36–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient; claim 100% of payments against profit

Operating Lease

Rate
From 6.6% APR
Term
36–60 months
Deposit
None required
Ownership
Return at end
Best for
Businesses expecting to reconfigure the warehouse layout in a few years

Representative example

On a purchase price of £90,000: a 10% deposit of £9,000, then 48 monthly payments of £1,899 at 5.9% APR representative (fixed). Total amount payable £100,152, 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, single warehouse bay £20,000 – £60,000 Modular Roller Conveyor
Belt conveyor system with merge and divert sections £70,000 – £180,000 Belt Conveyor with Merge/Divert
Full pick-to-pack conveyor line, multi-zone warehouse £180,000 – £400,000 Full Pick-to-Pack System

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Tax benefits

A conveyor system, including its rollers, belts, drives, and control panel, is plant and machinery, qualifying for the Annual Investment Allowance and letting a business deduct the full cost from taxable profits in the year of purchase, up to £1,000,000, under Hire Purchase. Where a mezzanine or structural platform is built to carry the conveyor, that element is generally assessed separately from the conveyor equipment itself.

Market context

Warehouse operators, distribution centres, and manufacturers buy conveyor systems to move goods between picking, packing, and despatch areas without manual trolley or forklift movement for every load. Finance suits this equipment because a conveyor line is usually installed as one project spanning rollers, belts, drives, sensors, and control panels, and financing the whole package avoids drawing on cash needed elsewhere during a warehouse fit-out or expansion. Replacement or expansion is generally driven by throughput outgrowing the existing line, a change in product mix requiring different conveyor types, such as moving from roller to belt sections for irregular items, or a warehouse relocating to a new building with a different layout. Standard modular roller and belt sections have a reasonable used market since they can be reconfigured for a different building, whereas a bespoke conveyor built around one specific layout has little resale value as a complete system.

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 system finance cover installation as well as the equipment itself?
Yes, provided the equipment and installation are quoted together by your systems integrator as one project. Most lenders will finance the complete conveyor system, including rollers, belts, drives, sensors, and the labour to install and commission it, as a single agreement rather than treating installation as a separate cost.
Is a used or reconfigured conveyor system easy to finance?
Standard modular roller and belt sections are reasonably easy to finance used, since they can be dismantled and rebuilt in a different layout by a systems integrator. A bespoke conveyor built for one specific building is a harder used asset to value, since it has little resale market outside that particular installation, so expect more scrutiny from a lender on a used bespoke system.
Can I finance a conveyor system in phases as my warehouse expands?
Yes, many lenders will finance conveyor expansion in stages, adding new sections to an existing agreement or arranging a separate agreement for each phase as your warehouse grows. This is a common approach for businesses expanding gradually rather than installing full capacity in one go, and keeps each finance decision proportionate to the phase being added.
How quickly can conveyor system finance be approved?
Smaller single-bay conveyor deals under £60,000 are commonly approved within a few working days once a supplier quote and trading details are provided. Larger multi-zone systems typically take longer, often two to three weeks, as the lender reviews the full project scope and integrator's proposal.

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