Spread the cost of commercial heat pumps from £10,000 to £200,000+ with flexible finance options. HP, lease, or refinance
Yes, 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 £10,000 to £200,000, 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
£10k – £200k
Approval Speed
24–48 hours
BUS grants stackable
Rates From
4.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical 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 £45,000: a 10% deposit of £4,500, then 48 monthly payments of £949 at 5.9% APR representative (fixed). Total amount payable £50,052, 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 |
|---|---|---|
| Mitsubishi Ecodan CAHV-P500 | £25,000 – £45,000 | Air Source (Commercial) |
| Daikin Altherma 3 H HT | £15,000 – £30,000 | Air Source High Temp |
| Kensa Shoebox Ground Source | £35,000 – £70,000 | Ground Source |
| Samsung EHS Mono HT Quiet | £10,000 – £20,000 | Air Source Mono |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Commercial heat pumps qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. A heat pump plumbed into a building is usually an integral feature rather than moveable plant, so the allowance and the lender's appetite both differ from a machine you could unbolt and sell. Grant schemes exist and their eligibility rules change, so check the current position rather than assuming a figure.
Commercial heat pumps are bought by businesses replacing an ageing gas or oil heating system, and by developers fitting new commercial buildings where a gas connection is either unavailable or undesirable. Finance suits the purchase because an installation bundles the unit itself with groundworks, pipework and controls into one project cost, keeping cash free while the installation beds in and running costs settle. Replacement of the heat pump itself is generally driven by compressor wear after many years of continuous running rather than a fixed age, since the equipment is designed for a long service life. The used market is limited, since most units are specified for a particular building.
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.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
See how lenders treat energy & sustainability assets
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Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.