Finance commercial ground source heat pumps from £25,000 to £250,000, including borehole or ground array works. HP, lease, or refinance
Yes, ground source heat pumps 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 £25,000 to £250,000, and most deals are written over 12–84 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
£25k – £250k
Approval Speed
24–48 hours
Ground survey recommended before finance
Rates From
4.7% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical ground source heat pump price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £70,000: a 10% deposit of £7,000, then 48 monthly payments of £1,477 at 5.9% APR representative (fixed). Total amount payable £77,896, 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 |
|---|---|---|
| Kensa Shoebox NX | £12,000 – £18,000 | Ground Source (Single Unit) |
| Viessmann Vitocal 300-G | £18,000 – £30,000 | Ground Source Heat Pump |
| NIBE F1345 Commercial | £20,000 – £35,000 | Ground Source (Commercial) |
| Kensa Commercial Cascade (Multi-Unit) | £60,000 – £120,000 | Multi-Unit Ground Source |
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For UK limited companies with 3+ months’ trading and monthly revenue.
Ground source heat pumps generally qualify as plant and machinery for capital allowances, so a business can typically set some or all of the cost, including the ground works, 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 and any available grant funding with your accountant or installer, since scheme terms change over time.
The typical buyer has either the land for a horizontal ground array or the site access for boreholes, most often a rural business, school, care home, or larger commercial site with grounds. Ground source systems generally run more efficiently than air source because ground temperature is more stable than outdoor air, but that efficiency advantage has to be weighed against a materially higher upfront cost, largely driven by the ground works: drilling boreholes or laying a horizontal loop is typically the single biggest cost variable in the project, and can differ substantially between sites depending on ground conditions and available land. Getting a site-specific ground survey and drilling quote before finalising a finance amount matters more here than for most other equipment types.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
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For UK limited companies with 3+ months’ trading and monthly revenue.
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Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.