Lendus.

Generator Finance

Spread the cost of commercial generators from £5,000 to £250,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

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

Typical Cost

£5k – £250k

Approval Speed

24–48 hours

Same-day for < £50k

Rates From

From 4.8% APR

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Finance options

Hire Purchase (HP)

Rate
From 5.2% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses wanting to own the generator outright

Finance Lease

Rate
From 4.8% APR
Term
12–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate
From 5.5% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Access latest generator technology. Off balance sheet.

Representative example

Borrow £40,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£832. Total amount payable: ~£39,936. Rates depend on your circumstances.

Popular models

Model Price Range Type
Caterpillar DE200E0 200kVA £30,000 – £55,000 Diesel Generator
Cummins C150D5 150kVA £25,000 – £45,000 Diesel Generator
SDMO J130K 130kVA £18,000 – £30,000 Diesel Generator
Atlas Copco QAS 500 500kVA £60,000 – £100,000 Mobile Generator

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Tax benefits

Generators qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one — up to £1,000,000. HP allows capital allowances. Lease payments are fully deductible.

Market context

The UK generator market is worth £1.8bn. Data centres, construction, and events are the top three sectors for generator demand. Hybrid and battery-backed generators are growing at 25% annually as businesses seek lower-emission solutions.

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. Our eligibility check uses a soft search only — no impact on your credit score.

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Frequently asked questions

Can I finance a used generator?
Yes. Most lenders finance used generators up to 10 years old. Well-maintained diesel generators have a long service life. Independent inspection and service records are required.
What deposit do I need?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit.
How quickly can I get generator finance?
Most applications are approved within 24–48 hours. For deals under £50k, same-day approval is common.
Can I finance installation and commissioning?
Yes. Installation, fuel tank, switchgear, and commissioning can be included in the finance agreement if they're on the supplier's invoice.

Guides and resources

Ready to finance your generator?

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