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Energy Monitoring Finance

Finance commercial energy monitoring and sub-metering systems from £2,000 to £150,000, to track and manage site electricity, gas and water use. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a energy monitoring?

Yes, energy monitorings 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 £150,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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

Typical Cost

£2k – £150k

Approval Speed

24–48 hours

Data-driven case for further investment

Rates From

4.3% APR

What would a energy monitoring cost per month?

£20,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical energy monitoring price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.7% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses wanting to own the metering hardware outright

Finance Lease

Rate
From 4.3% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.0% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Zero upfront cost, includes software subscription

Representative example

On a purchase price of £20,000: a 10% deposit of £2,000, then 48 monthly payments of £422 at 5.9% APR representative (fixed). Total amount payable £22,256, 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
Schneider Electric PowerLogic Smart Meter (per panel) £800 – £1,500 Sub-Metering Hardware
Eniscope Energy Monitoring Kit £3,000 – £6,000 Site Monitoring System
Verdigris AI Energy Monitoring (per building) £15,000 – £30,000 Building-Wide Monitoring
Multi-Site Energy Monitoring Platform (Enterprise) £40,000 – £80,000 Enterprise Monitoring Platform

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Tax benefits

Energy monitoring hardware generally qualifies 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, subject to your total qualifying spend for the year. Confirm current treatment with your accountant before finalising the finance structure, and note that any software subscription element is usually treated as a running cost rather than a capital allowance.

Market context

Energy monitoring systems don't save energy directly; they make consumption visible at a level of detail (by circuit, by meter, by site) that lets a business find and fix waste, verify that other equipment such as a BMS, voltage optimiser or new heat pump is actually performing as expected, and benchmark performance across multiple sites. The typical buyer is either starting a wider energy efficiency programme and wants a baseline before spending on bigger equipment, or is a multi-site business wanting to compare and manage consumption centrally. Because the value is largely in the data and the action taken from it rather than the hardware itself, ongoing analysis, whether in-house or through the supplier's platform, is usually what determines whether the investment pays off.

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

Does an energy monitoring system save money by itself?
Not directly. It provides visibility into where and when energy is being used, at a level of detail most standard utility bills don't offer, which lets you identify waste, verify equipment is running as expected, and prioritise where to invest in efficiency measures. The actual savings come from acting on that data, whether that's fixing a fault, adjusting a schedule, or informing a decision on bigger equipment like a BMS or heat pump, rather than from the monitoring hardware itself.
Should I install monitoring before or after other energy efficiency equipment?
Often it's worth doing at least basic monitoring first, since a clear picture of your current consumption pattern helps you prioritise where bigger investments like insulation, a BMS or voltage optimisation would have the most impact, and it later lets you verify those investments are performing as expected once installed. That said, monitoring can also be added to an existing system at any stage if you want to check whether something already installed is delivering what was promised.
What's included in a typical energy monitoring installation?
Usually sub-meters or current transformers fitted at key points in your electrical distribution board, sometimes extended to gas and water metering, feeding data to a central platform or dashboard, either on site or cloud-based. Larger multi-site systems add software to compare and benchmark performance across locations. The right level of detail depends on how granular you need the data to be to act on it, which is worth discussing with the supplier at the specification stage.
What deposit is needed for energy monitoring finance?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases typically require no deposit, and because this is a lower-cost, well-established equipment category, some lenders offer close to 100% finance, particularly where the hardware is being added to an existing electrical installation. The exact figure a lender offers often reflects your trading history and credit profile as much as the equipment itself, so a strong set of accounts can sometimes bring it down further, and it's worth comparing terms from more than one lender rather than accepting the first quote.
How quickly can I get energy monitoring finance approved?
Most applications are approved within 24 to 48 hours once accounts and a supplier quote are provided. For deals under roughly £15,000, same-day approval is common, and installation is usually quick since it typically involves fitting meters within an existing distribution board rather than major electrical works. Having your accounts, bank statements and a signed supplier quote ready before you apply generally shortens the process, as underwriters otherwise have to pause and request the same documents before they can issue a decision.

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