Kennel Equipment Finance

Spread the cost of boarding kennel fit-outs from £5,000 to £80,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a kennel equipment?

Yes, kennel equipments 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 £80,000, and most deals are written over 24–60 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

£5k – £80k

Approval Speed

24–48 hours

Staged finance available for phased builds

Rates From

7.0% APR

What would a kennel equipment cost per month?

Kennel Equipment price (ex VAT) £25,000

Deposit 10%

Agreement term 60 months

Annual interest rate 9%

Balloon payment £0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical kennel equipment price. Indicative only, not a quote.

Finance options

Hire Purchase (HP)

Rate: From 7.5% APR
Term: 24–60 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: Boarding and rescue kennels wanting to own the block outright

Finance Lease

Rate: From 7.0% APR
Term: 24–60 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Tax-efficient for a new kennel business building out its first site

Refinance

Rate: From 8.0% APR
Term: 12–36 months
Deposit: None, releases equity
Ownership: Retained throughout
Best for: Releasing cash from an existing kennel block to fund expansion

Representative example

On a purchase price of £25,000: a 10% deposit of £2,500, then 48 monthly payments of £527 at 5.9% APR representative (fixed). Total amount payable £27,796, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

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
Modular Composite Kennel Block, single run	£1,500 – £4,000	Modular Kennel Unit (specification class)
Thermal Insulated Kennel Unit	£3,000 – £7,000	Insulated Kennel Unit (specification class)
Full Boarding Block, 10–20 runs	£25,000 – £80,000	Complete Kennel Fit-Out (specification class)
Wash-Down and Drainage System	£2,000 – £8,000	Kennel Hygiene Infrastructure (specification class)

Tax benefits

Modular kennel equipment usually qualifies for Annual Investment Allowance (AIA), letting a business deduct the full cost from taxable profits in the year of purchase, up to £1,000,000. HP agreements allow capital allowances to be claimed by the business making the payments. Lease payments are generally deductible against profits as a business expense rather than qualifying for AIA directly.

Market context

Kennel equipment is bought by boarding kennels, rescue and rehoming centres, breeders and veterinary practices that need overnight animal accommodation. Finance is used because a full boarding block, runs, insulation, drainage and wash-down facilities, is a substantial fit-out cost for a business that's often started by a single owner-operator without much capital behind them. Replacement and expansion tend to follow demand rather than the equipment wearing out: composite modular panels are built to withstand constant washing down and hold up well, so owners more often add capacity than replace what they have. The secondhand market is thin and mostly limited to individual run panels or kennel doors rather than complete blocks, since a modular system is usually built into a specific site layout.

Frequently asked questions

Can I finance a kennel block in stages as my business grows?

Yes. Many kennel operators start with a handful of runs and add more as bookings build, and lenders are used to this pattern. Each phase is usually treated as its own finance agreement against its own supplier invoice, so you're not committed to a large facility before you know the demand is there. Keeping the same modular kennel supplier across phases also tends to make quotes and installation more straightforward, which lenders view favourably when assessing the application.

Do I need planning permission before I can get finance?

Lenders don't require planning permission to be in place before approving finance in principle, but most will want confirmation it's either not needed or has been granted before releasing funds, since a kennel block that can't legally be used has little value as security. It's worth checking with your local planning authority early, as boarding kennels can be subject to change of use rules even on land already used for animals.

What deposit is typical for kennel equipment finance?

Hire purchase deposits are typically 10–20% of the equipment cost, with finance leases often requiring none. New kennel businesses without trading history may be asked for a larger deposit or a personal guarantee, since the equipment has a fairly specialist resale market. Established boarding kennels with a few years of accounts behind them usually get more favourable terms and can often negotiate the deposit down further.

Can I include drainage and wash-down installation in the finance?

Yes, provided it's part of the same supplier's quote as the kennel structure itself. Drainage and wash-down facilities are central to keeping a kennel block compliant with animal welfare and hygiene expectations, so lenders generally treat them as part of the core equipment rather than a separate building works cost. If a separate ground works contractor is doing the drainage, it's worth asking your kennel supplier whether they can invoice the whole project together.