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Mobile Shelving Finance

Spread the cost of mobile shelving from £5,000 to £150,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a mobile shelving?

Yes, mobile shelvings 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 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

£5k – £150k

Approval Speed

24–48 hours

Same-day for < £25k

Rates From

5.5% APR

What would a mobile shelving cost per month?

£30,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical mobile shelving price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.0% APR
Term
12-60 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Businesses wanting to own the shelving outright

Finance Lease

Rate
From 5.5% 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 6.2% APR
Term
24-48 months
Deposit
None required
Ownership
Return at end
Best for
Businesses whose archive or storage volume grows steadily

Representative example

On a purchase price of £30,000: a 10% deposit of £3,000, then 48 monthly payments of £633 at 5.9% APR representative (fixed). Total amount payable £33,384, 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
Manual Mobile Shelving, Archive and Records £5,000 - £25,000 (specification class, price not independently verified) Manual Mobile Shelving
Bito Mobile Shelving System £6,000 - £50,000 (specification class, price not independently verified) Manual or Semi-Powered Shelving
Bruynzeel Compactus Mobile Shelving POA; specification class £8,000 - £60,000 Manual or Electric Mobile Shelving
Electric-Powered High-Density Mobile Shelving £30,000 - £150,000 (specification class, price not independently verified) Electric-Powered Mobile Shelving

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Tax benefits

Mobile shelving runs on rails fixed to the floor, which puts it in a similar position to static racking, bolted down but not built into the structure of the building, and it is generally treated as moveable plant and machinery on that basis. Electric-powered systems add motors and a control panel to the mechanical carriage, which reinforces the case for treating the whole installation as equipment rather than building fabric, though a manual system with a simple mechanical drive sits closer to the racking grey area and is worth confirming with your accountant on larger installations. HP agreements let you claim capital allowances directly; lease payments are deducted as a running cost.

Market context

Mobile shelving is typically installed by businesses needing to store a large volume of files, samples, evidence, parts or stock in a limited footprint, since closing the aisles between units when not in use can roughly double the shelving capacity of a given floor area compared with static shelving. Archives, records management firms, healthcare providers storing patient notes, museums, and parts or spares stores are common buyers. Manual systems with a hand crank or wheel suit lower-traffic archive use, while electric-powered systems are more common where staff are opening and closing aisles frequently through the working day. Rail loading capacity and floor flatness both need checking before installation, since an uneven floor can affect how smoothly a heavily loaded unit runs.

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

What is the difference between manual and electric mobile shelving?
Manual mobile shelving is moved by hand, either pushing the unit directly or turning a wheel or crank that drives a mechanical gear system, and suits lower-traffic archive or storage use. Electric mobile shelving uses a motor to open and close the aisle at the press of a button, which is faster and easier for staff opening units repeatedly through the day, but costs more to buy and install because of the motor, control panel and power supply. The right choice depends on how often the units are accessed rather than the value of what is stored.
Can mobile shelving be installed on any floor?
Mobile shelving needs a flat, level floor capable of carrying the combined weight of the rails, carriages and stored contents concentrated along the rail lines rather than spread evenly, so an older or uneven floor may need levelling or reinforcement before installation. Your supplier will normally survey the floor as part of the quote. If reinforcement work is needed, it is worth confirming whether it is included in the supplier's price, since a lender will finance the total project quote rather than the shelving alone.
Is mobile shelving suitable for storing heavy items, not just files?
Yes, mobile shelving is available in heavy-duty configurations suited to spare parts, stock and equipment rather than just paper archives, though the rail and carriage specification needs to match the load. This is a supplier design question rather than a finance one, and heavier-duty systems generally cost more per bay than a standard document archive configuration, which is reflected in the total project quote a lender would finance.
Can I finance mobile shelving for a leased building?
Yes. Because mobile shelving is a bolted, demountable installation rather than something fixed into the building fabric, landlord consent is not usually required in the way it would be for structural alterations. It is still sensible to confirm floor loading capacity with your landlord before a heavy installation, and to check what happens to the shelving at the end of your lease if you plan to leave it in place, since this can affect dilapidations discussions later.
How quickly can I get mobile shelving finance?
Most applications are approved within 24 to 48 hours once a full supplier quote is available. Smaller manual installations under £25,000 often see same-day approval. Larger electric-powered installations, particularly where floor reinforcement is needed, may take 3 to 5 working days while the lender reviews the full project specification. Where a quote combines new shelving with floor levelling or reinforcement work from a separate contractor, it is worth submitting both quotes together so the lender can assess the full project in one review rather than in two stages.

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