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Emergency Lighting System Finance

Spread the cost of an emergency lighting installation from £2,000 to £30,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a emergency lighting system?

Yes, emergency lighting 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 £2,000 to £30,000, and most deals are written over 12–48 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

£2k – £30k

Approval Speed

24–48 hours

Longer for multi-building central systems

Rates From

7.0% APR

What would a emergency lighting system cost per month?

£8,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 7.5% APR
Term
12–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Building owners wanting to own the installation outright

Finance Lease

Rate
From 7.0% APR
Term
12–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tenants and leaseholders spreading the cost of a required upgrade

Refinance

Rate
From 8.0% APR
Term
12–36 months
Deposit
None, releases equity
Ownership
Retained throughout
Best for
Releasing cash from an existing system to fund further site upgrades

Representative example

On a purchase price of £8,000: a 10% deposit of £800, then 48 monthly payments of £169 at 5.9% APR representative (fixed). Total amount payable £8,912, 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
Self-Contained Emergency Light Fittings, per building £2,000 – £8,000 Self-Contained Emergency Lighting (specification class)
Central Battery Emergency Lighting System £8,000 – £30,000 Central Battery System (specification class)

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Tax benefits

An emergency lighting system usually qualifies for Annual Investment Allowance (AIA), letting a business deduct the full cost from taxable profits in the year of purchase, up to £1,000,000. HP agreements allow capital allowances to be claimed by the business making the payments. Lease payments are generally deductible against profits as a business expense rather than qualifying for AIA directly.

Market context

Emergency lighting systems are bought by commercial landlords, retailers, hospitality venues and any business responsible for keeping escape routes visible during a power failure. Finance is used because upgrading or replacing a building's emergency lighting, whether that's a full central battery system or a set of self-contained fittings throughout, is usually prompted by a fire risk assessment or an insurance or licensing requirement with a set date attached, and spreading the cost lets the work go ahead without waiting to save the full amount. Replacement is driven mainly by batteries within individual fittings reaching the end of their service life and by periodic testing identifying units that no longer hold charge for the required duration, rather than by fittings going out of fashion. There's a modest secondhand market for individual fittings, though most buyers prefer new equipment given how directly this equipment is tied to life safety and to passing routine testing and certification.

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 I finance an emergency lighting upgrade found necessary during a fire risk assessment?
Yes, this is one of the most common reasons this equipment gets financed. A fire risk assessment often sets out required improvements with a reasonable timescale attached, and financing the upgrade lets a business meet that timescale without disrupting cash flow. It's worth sharing the assessment findings with your finance broker, since it helps confirm the scope and urgency of the work to the lender.
Is a central battery system more expensive to finance than self-contained fittings?
Generally, yes, a central battery system covering a whole building costs more upfront than a set of individually battery-backed fittings, though it can be cheaper to maintain over time since testing and battery replacement happen at one central point rather than at each fitting. Which makes sense for your building depends on its size and layout, and your electrical contractor can usually advise on the better fit before you apply for finance.
What deposit is typical for emergency lighting finance?
Hire purchase deposits are usually 10–20%, with finance leases often needing none. Because emergency lighting upgrades are often driven by a compliance timescale rather than being optional, lenders are generally comfortable financing them for established businesses without requiring an unusually large deposit, though new businesses may still be asked for one or a personal guarantee.
How quickly can emergency lighting finance be arranged?
Most applications are approved within 24 to 48 hours where the installation is against a supplier's clear quote, which suits businesses working to a fire risk assessment deadline. Larger central battery installations covering multiple floors or buildings can take a little longer as the lender reviews the scale of the project. Having the fire risk assessment findings and a clear electrician's quote ready before applying is the best way to avoid delays once the work needs to start.

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