Spread the cost of a hydroponic growing system from £5,000 to £150,000+ with flexible finance options. HP, lease, or refinance
Yes, hydroponic systems 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 £5,000 to £150,000, and most deals are written over 24–72 months with a deposit of around 15–20%. Decisions typically take 3–5 working days. Used machines are financeable too, usually with a shorter term.
Typical Cost
£5k – £150k
Approval Speed
3–5 working days
Same-day for < £15k
Rates From
6.0% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical hydroponic system price. Indicative only, not a quote.
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £35,000: a 10% deposit of £3,500, then 48 monthly payments of £738 at 5.9% APR representative (fixed). Total amount payable £38,924, 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 |
|---|---|---|
| NFT or ebb-and-flow bench system, single greenhouse bay | £5,000 – £14,000 | Small Bench System |
| Fertigation-controlled hydroponic system with dosing and monitoring | £20,000 – £60,000 | Fertigation System |
| Commercial glasshouse-scale hydroponic installation, multi-bay | £70,000 – £150,000 | Commercial Glasshouse System |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Benches, pumps, dosing and fertigation equipment, and monitoring controls used in a hydroponic system are plant and machinery, qualifying for the Annual Investment Allowance and letting a business deduct the full cost from taxable profits in the year of purchase, up to £1,000,000, under Hire Purchase. If the system is installed inside a new glasshouse or polytunnel being built at the same time, the structure itself is usually relieved differently, through Structures and Buildings Allowance, so the two elements are normally apportioned separately on the contractor's invoice.
Commercial growers producing salad, herbs, and soft fruit under cover are the main buyers of hydroponic systems, either fitting one out within an existing greenhouse or polytunnel or upgrading an older soil-based bay to a controlled nutrient system. Finance works well here because the benches, pumps, dosing equipment, and control panel are moveable plant that a lender can assess and value independently of the structure they sit inside, unlike the glasshouse itself. Replacement is generally driven by growers moving from basic timer-controlled dosing to sensor-driven fertigation for tighter yield and quality control, or benches and piping reaching the end of their working life after years of constant wet-area use. Because growing seasons and crop cycles are genuinely uneven through the year for many horticultural businesses, some lenders will consider a repayment profile weighted towards the main cropping months rather than flat monthly payments.
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.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.