Extraction Canopy Finance

Q: Why is extraction so expensive relative to the cooking equipment it serves?

Extraction has to meet a specific ventilation standard covering grease removal, fire safety, and airflow rates, and achieving that in an existing building often means running ductwork through ceilings, walls, or the roof, which is labour-intensive and site-specific. A modest fryer and griddle order costing a few thousand pounds can sit under a canopy and duct run costing several times that once structural work is included, which surprises many first-time operators.

Q: How much of an extraction project can actually be financed as equipment?

The canopy, fan, and any filtration unit are generally financeable as equipment. Ductwork that is fixed into the building fabric, along with any structural alterations such as fire-rated ceiling penetrations, is usually treated as building work and is not covered by standard asset finance. Ask your installer for a breakdown between supply-and-fit equipment and pure building work before applying, so you know how much of the project the finance will actually cover.

Q: Can extraction be financed together with the cooking equipment it serves?

Where a lender is willing to fund both, yes, they can sit on one agreement based on a combined, itemised invoice. Some lenders prefer to keep extraction on a separate agreement or exclude the ductwork portion entirely, so it is worth asking early rather than assuming the whole project will be treated as one. This is one of the more common points of confusion in kitchen fit-out finance.

Q: Can a start-up restaurant finance its extraction system as part of the opening fit-out?

Yes, though as with the rest of a new kitchen build, expect a personal guarantee, a signed lease, and close scrutiny of the wider fit-out budget, since extraction is often the single largest line item in the project. Because ductwork has little resale value if a lender ever needed to recover it, the equipment portion, the canopy and fan, tends to be viewed more favourably than the fixed ducting built around it.

Spread the cost of extraction canopy from £3,000 to £30,000+ with flexible finance options. HP, lease, or refinance; compare rates from 40+ lenders.

Can you finance a extraction canopy?

Yes, extraction canopys 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 £3,000 to £30,000, and most deals are written over 24–60 months with a deposit of around 10–15%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

Typical Cost

£3k – £30k

Approval Speed

24–48 hours

Same-day for < £25k

Rates From

5.6% APR

What would a extraction canopy cost per month?

Extraction Canopy price (ex VAT) £10,000

Deposit 10%

Agreement term 60 months

Annual interest rate 9%

Balloon payment £0

Your estimate

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

Pre-filled with a typical extraction canopy price. Indicative only, not a quote.

Finance options

Hire Purchase (HP)

Rate: From 6.0% APR
Term: 24–60 months
Deposit: 10–15%
Ownership: Yours at the end
Best for: Extraction Canopy buyers wanting to own it outright

Finance Lease

Rate: From 5.6% APR
Term: 24–60 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Tax-efficient; claim 100% of payments against profit

Operating Lease

Rate: From 6.3% APR
Term: 24–60 months
Deposit: 1–3 rentals in advance
Ownership: Return at end
Best for: Upgrade extraction canopy regularly. Off balance sheet.

Representative example

On a purchase price of £10,000: a 10% deposit of £1,000, then 48 monthly payments of £211 at 5.9% APR representative (fixed). Total amount payable £11,128, 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
Small canopy and ductwork, single appliance	£3,000 – £7,000	Small Extraction System
Mid-size canopy with extract/supply ductwork	£8,000 – £16,000	Mid-Size Extraction System
Full kitchen extraction system, DW172 compliant	£15,000 – £30,000	Full Kitchen Extraction System

Tax benefits

Extraction canopy equipment itself qualifies for Annual Investment Allowance (AIA) up to £1,000,000 as plant and machinery. Installation, ductwork, and connection costs that are integral to the equipment can usually be included in the same claim, but check with your accountant where work also alters the fabric of the building, since that portion may be treated differently.

Market context

Any kitchen installing or replacing a fryer, griddle, or grill needs compliant extraction, and the canopy and ductwork are frequently the single largest line item in a new kitchen fit-out, often costing more than the cooking equipment sitting underneath it. Extraction systems built to the industry ventilation specification last for many years, so the main driver of new spend is opening a new kitchen or extending an existing cook line rather than routine replacement. Because so much of the cost is fitted ductwork rather than a discrete piece of equipment, financing it needs a clear split between the canopy itself and the building work around it.

Frequently asked questions

Why is extraction so expensive relative to the cooking equipment it serves?

Extraction has to meet a specific ventilation standard covering grease removal, fire safety, and airflow rates, and achieving that in an existing building often means running ductwork through ceilings, walls, or the roof, which is labour-intensive and site-specific. A modest fryer and griddle order costing a few thousand pounds can sit under a canopy and duct run costing several times that once structural work is included, which surprises many first-time operators.

How much of an extraction project can actually be financed as equipment?

The canopy, fan, and any filtration unit are generally financeable as equipment. Ductwork that is fixed into the building fabric, along with any structural alterations such as fire-rated ceiling penetrations, is usually treated as building work and is not covered by standard asset finance. Ask your installer for a breakdown between supply-and-fit equipment and pure building work before applying, so you know how much of the project the finance will actually cover.

Can extraction be financed together with the cooking equipment it serves?