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Mezzanine Racking Finance

Spread the cost of a mezzanine racking floor from £8,000 to £500,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a mezzanine racking?

Yes, mezzanine rackings 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 £8,000 to £500,000, 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

£8k – £500k

Approval Speed

24–48 hours

Same-day for < £75k

Rates From

5.7% APR

What would a mezzanine racking cost per month?

£60,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical mezzanine racking price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.2% APR
Term
12-60 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Businesses wanting to own the mezzanine structure outright

Finance Lease

Rate
From 5.7% APR
Term
12-60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax efficient; claim payments against profit

Operating Lease

Rate
From 6.4% APR
Term
24-48 months
Deposit
None required
Ownership
Return at end
Best for
Growing businesses that expect to reconfigure or outgrow the layout

Representative example

On a purchase price of £60,000: a 10% deposit of £6,000, then 48 monthly payments of £1,266 at 5.9% APR representative (fixed). Total amount payable £66,768, 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
Link51 Mezzanine Floor System £95 - £150 per sqm supplied and installed Single-Tier Mezzanine
Dexion Mezzanine Floor Structure £100 - £160 per sqm supplied and installed Single-Tier Mezzanine
Multi-Tier Mezzanine with Integrated Racking £180 - £280 per sqm (specification class, price not independently verified) Multi-Tier Storage Mezzanine
Large-Scale 3-Tier Distribution Mezzanine £250,000 - £500,000 (specification class, price not independently verified) Multi-Tier Distribution Mezzanine

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Tax benefits

A mezzanine floor is a bolted, freestanding steelwork structure rather than something built into the fabric of the building, which is the reason suppliers can install and later dismantle one without altering the warehouse shell itself. That demountable nature is what generally lets it be treated as plant and machinery for capital allowances rather than as part of the building, in the same way that pallet racking is treated differently to fixed warehouse construction. As with racking, individual lenders and accountants can take slightly different views on borderline installations, so it is worth confirming the specific treatment for your structure before you rely on it. HP agreements let you claim capital allowances directly; lease payments are typically deducted as a running cost instead.

Market context

Mezzanine racking is typically installed by businesses that need more storage or working floor space but cannot extend the building's footprint, either because the site is fully built out or because planning constraints rule out an extension. Because the structure is bolted rather than fixed into the building fabric, it holds resale value and can in principle be dismantled and relocated, which is one of the reasons lenders treat it similarly to racking rather than to a building extension. Building Regulations approval is generally required for the load-bearing floor and means of escape regardless of how the structure is financed, and that approval is usually handled by the installer as part of the project rather than by the finance arrangement. Layouts are usually specified against current storage or headcount needs with room to add a further tier later.

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

Is a mezzanine floor treated as plant or as part of the building for finance purposes?
Most lenders treat a standard bolted, freestanding mezzanine floor as plant and machinery in the same way they treat pallet racking, because it can be unbolted and relocated rather than being built into the structure of the warehouse. This is different to a permanent building extension or a structural first floor added during construction, which would usually be funded through a commercial mortgage instead. If your mezzanine is being built at the same time as a new unit, or is structurally tied into the roof or walls, it is worth checking with the lender early which category it falls into, since this affects both the finance product and the tax treatment.
Do I need planning permission or Building Regulations approval for a mezzanine floor?
Planning permission is not usually required for a mezzanine installed inside an existing building, though this depends on the floor area added relative to the building and any conditions attached to your existing planning consent. Building Regulations approval is generally required regardless, covering structural loading, fire escape routes and, where the mezzanine creates new working areas, ventilation and access. Your installer will normally handle the Building Regulations submission as part of the project. It is worth confirming this is included in your supplier quote before you apply for finance, since a lender will usually expect to see it addressed on a larger installation.
Can I finance a mezzanine floor with integrated racking underneath?
Yes. Many mezzanine installations combine a raised floor with pallet racking or shelving on the ground level beneath it, and suppliers usually quote the whole project as a single package. Lenders finance the combined quote in the same way they would finance racking alone, treating the steelwork, flooring and any staircases or safety gates as one asset. Keeping the racking and mezzanine on a single agreement is usually simpler than splitting them, since it avoids having two separate finance arrangements with different end dates running against parts of what is really one structure.
How much weight can a financed mezzanine floor carry?
Load capacity depends entirely on the specification your installer designs, typically ranging from light office or storage use up to several hundred kilograms per square metre for pallet-loaded industrial mezzanines. This is a structural design question for your installer rather than something a finance provider assesses, though the lender will usually want to see the load specification as part of the supplier quote before releasing funds on a larger installation. Specifying for your heaviest anticipated load from the outset is generally more cost-effective than upgrading a lighter floor later.
How quickly can I get mezzanine racking finance approved?
Most straightforward applications under £75,000 are approved within 24 to 48 hours once a full supplier quote is available, similar to standard racking finance. Larger, multi-tier distribution mezzanines running into six figures typically take 3 to 5 working days while the lender reviews the structural design and installation timeline. Because mezzanine projects often run alongside a wider warehouse fit-out, it can help to apply for finance as soon as the layout is confirmed rather than waiting for every other element of the project to be finalised.

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