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LED Lighting Retrofit Finance

Finance LED lighting retrofits from £3,000 to £250,000, for offices, warehouses, retail and industrial sites. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a led lighting retrofit?

Yes, led lighting retrofits 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 £3,000 to £250,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£3k – £250k

Approval Speed

24–48 hours

Fast, low-disruption installation

Rates From

4.3% APR

What would a led lighting retrofit cost per month?

£35,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical led lighting retrofit price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.7% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses wanting to own the fittings outright

Finance Lease

Rate
From 4.3% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.0% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Zero upfront cost, spreads a fast-payback project

Representative example

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.

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
Signify (Philips) CoreLine LED Panel £25 – £45 per fitting Office LED Panel
Thorn Lighting Omega LED High Bay £120 – £220 per fitting Warehouse High Bay
Office Floor Retrofit (100 fittings) £15,000 – £25,000 Office LED Retrofit
Full Warehouse Retrofit (200 fittings) £45,000 – £70,000 Warehouse LED Retrofit

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Tax benefits

LED lighting fittings and installation generally qualify as plant and machinery for capital allowances, so a business can typically set some or all of the cost 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 with your accountant before finalising the finance structure.

Market context

LED retrofits are one of the more straightforward energy-saving projects to finance because the equipment is standardised, installation is usually quick with minimal disruption, and the running cost saving compared with older fluorescent or halogen fittings is generally significant and fairly predictable from an existing lighting survey. This makes LED retrofit a common starting point for businesses beginning a wider energy efficiency programme, since it's typically lower cost and faster to install than the larger equipment categories on this site, and the monthly saving from reduced electricity and maintenance can be sized against a finance repayment before committing.

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. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

How much can I save by switching to LED lighting?
It depends on your current fittings, hours of use and local electricity rate, since LED uses meaningfully less energy than older fluorescent or halogen lighting and lasts considerably longer, reducing replacement labour too. Rather than quoting a fixed saving, ask your lighting installer for a survey comparing your existing fittings against the proposed LED specification for your actual hours of operation, which gives a realistic basis for sizing the finance repayment against expected savings.
Can lighting controls and sensors be included in the finance?
Yes, most lenders will fund occupancy sensors, daylight dimming and smart lighting controls alongside the LED fittings themselves, provided they're itemised on the supplier's invoice. Controls can add further savings on top of the fitting upgrade by ensuring lights aren't running in unoccupied areas, and including them in the same finance agreement is usually simpler than a separate facility. It's worth asking your installer to itemise the controls separately on the quote even when they're bundled into one project, since this makes it easier for both you and the lender to see exactly what's being financed and to value the asset correctly over the term.
How disruptive is an LED retrofit to day-to-day operations?
Generally not very, since most retrofits involve swapping existing fittings on a like-for-like basis rather than rewiring, and can often be scheduled outside working hours or floor by floor to avoid disrupting the business. Warehouse high-bay retrofits may need access equipment for ceiling height, which your installer will factor into the quote and schedule. For larger sites, agreeing a phased schedule with the installer in advance, rather than trying to do the whole building at once, is usually the simplest way to keep disruption to a minimum while the retrofit is completed.
What deposit is needed for LED lighting finance?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit, and because LED retrofit is a well-established, lower-risk equipment category, some lenders offer close to 100% finance, particularly for larger, well-documented multi-site projects. Where a deposit does apply, it's usually calculated as a percentage of the total invoice including installation, not just the headline equipment price, so it's worth checking exactly what the quoted deposit is based on before comparing offers between suppliers or lenders.
How quickly can I get LED lighting finance approved?
Most applications are approved within 24 to 48 hours once accounts and a supplier quote are provided. For deals under roughly £25,000, same-day approval is common, and because installation itself is usually fast, businesses often see the new lighting in place within a few weeks of finance being agreed. In practice, the businesses that get the fastest decisions are the ones who apply with a complete picture already in place: recent accounts, a clear supplier quote and a short note on how the equipment will be used.

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Guides and resources

What Is Asset Finance? HP vs Leasing Operating vs Finance Lease Best Asset Finance Companies Close Brothers Review Lombard Review

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