Spread the cost of fish hold refrigeration and chilling systems from £8,000 to £90,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, fish hold refrigerations 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 £8,000 to £90,000, and most deals are written over 24–72 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£8k – £90k
Approval Speed
24–48 hours
Same-day for < £40k
Rates From
5.2% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical fish hold refrigeration price. Indicative only, not a quote.
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Check EligibilityOn a purchase price of £30,000: a 10% deposit of £3,000, then 48 monthly payments of £633 at 5.9% APR representative (fixed). Total amount payable £33,384, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| Refrigerated Seawater (RSW) System, Small Vessel (spec class) | £10,000 – £25,000 | Refrigerated Seawater Chilling System |
| Ice Slurry/Flake Ice Machine, Vessel-Mounted (spec class) | £8,000 – £18,000 | Flake Ice Machine |
| RSW System, Mid-Size Trawler (spec class) | £25,000 – £55,000 | Mid-Capacity RSW System |
| Full Fish Hold Insulation and Chilling Retrofit (spec class) | £40,000 – £90,000 | Complete Hold Refrigeration Retrofit |
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Check EligibilityFish hold refrigeration systems used for business qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase, up to £1,000,000. HP agreements let you claim capital allowances on the system; lease payments are generally deductible in full against profits.
Fish hold refrigeration and chilling systems are bought by fishing vessel owners to preserve catch quality and value between landing and processing, with refrigerated seawater systems increasingly fitted where ice alone can't hold larger catches at the required temperature for longer trips. Fitting or upgrading a chilling system changes a vessel's electrical and cooling load, so a certifying authority may need to review the installation against the vessel's existing MCA coding, particularly for larger RSW plant with dedicated generator capacity. Because the equipment is normally installed into an existing coded fishing vessel rather than bought as a standalone asset, lenders generally underwrite the application against the vessel and the skipper's trading and landing history rather than the equipment alone. Catch quality premiums paid by buyers for well-chilled fish are one of the main reasons owners upgrade ahead of a hold reaching the end of its working life.
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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