Lendus.

Padel Court Finance

Spread the cost of a padel court build from £45,000 to £150,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a padel court?

Yes, padel courts 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 £45,000 to £150,000, and most deals are written over 24–84 months with a deposit of around 15–25%. Decisions typically take 3–5 working days. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£45k – £150k

Approval Speed

3–5 working days

Same-day agreement in principle

Rates From

6.0% APR

What would a padel court cost per month?

£80,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical padel court price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.5% APR
Term
24–84 months
Deposit
15–25%
Ownership
Yours at the end
Best for
Operators who own their site and want the structure as an asset on the balance sheet

Finance Lease

Rate
From 6.0% APR
Term
24–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient route for the surfacing, netting and lighting portion of the build

Operating Lease

Rate
From 6.8% APR
Term
36–60 months
Deposit
None required
Ownership
Return at end
Best for
Tenant operators who want the court off balance sheet ahead of a lease event

Representative example

On a purchase price of £80,000: a 10% deposit of £8,000, then 48 monthly payments of £1,688 at 5.9% APR representative (fixed). Total amount payable £89,024, 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
Outdoor single court (panel, glass and mesh system) £45,000 – £80,000 Outdoor single court
Indoor single court (panel, glass and mesh system) £60,000 – £100,000 Indoor single court
Turnkey court package (structure, surfacing, floodlighting) £70,000 – £130,000 Full turnkey court
Two-court development £110,000 – £220,000 Multi-court site

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Tax benefits

The court's steel and glass structure and its groundworks are normally treated as a building or structure for capital allowances purposes and fall outside the Annual Investment Allowance; they may instead qualify for Structures and Buildings Allowance, relieved over a fixed period rather than in year one. Court surfacing, netting, floodlighting and other plant bought within the same project can often be claimed as integral features or plant and machinery, eligible for the Annual Investment Allowance up to £1,000,000 in the year of purchase. Ask a capital allowances specialist to apportion the build cost before claiming, and keep the contractor's itemised quote as evidence.

Market context

Padel courts are bought by dedicated padel operators opening a first site, established tennis and health clubs adding courts to existing land, and hotels or holiday parks building a court as a guest amenity. Most are financed rather than paid for outright because the panel, glass and groundworks package arrives as one large invoice before any court-hire income has been taken, and spreading that cost protects the cash a new site needs for marketing and staff in its early months. Where the court sits on leased land, a lender will usually want to see landlord consent for the structure and an agreed dilapidations position covering removal or reinstatement at the end of the lease, since the panel and glass system is a fixed installation rather than equipment that can simply be taken away. Replacement spend tends to go on resurfacing and re-glazing worn panels rather than rebuilding the whole structure, and because courts are built and glazed in place there is no established market for buying or selling a used panel and glass system separately from the site it stands on.

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

Can I finance the whole court build, or just parts of it?
Most lenders will fund the full project, groundworks, steelwork, glass and mesh panels, artificial turf, and floodlighting, as a single agreement rather than piecing it together across suppliers. Some lenders prefer to separate the fixed structure from the equipment inside it, since the two carry different depreciation profiles and tax treatment; ask your broker to structure the deal this way if it improves the terms on offer. Either way, get one contractor quote that itemises structure, surfacing and lighting separately, because that breakdown is also what your accountant needs when apportioning capital allowances.
What deposit will a lender ask for on a padel court?
Expect to put down 15–25% on hire purchase, higher than a standard equipment deal, because the structure has limited resale value if the operator defaults and cannot easily be repossessed and moved. Finance leases and operating leases can sometimes be arranged with no deposit, but the lender will look harder at the strength of the business and the site lease before agreeing to that. A larger deposit, or security over other assets, tends to bring the rate down noticeably on a first court where there is no trading history yet.
Do I need my landlord's permission before financing a court?
Yes, if you do not own the site outright. A padel court is a substantial fixed structure, so most commercial leases require landlord consent before you build one, and a lender will ask to see that consent as part of underwriting. You should also agree in writing what happens to the structure at the end of the lease, whether you can remove it, whether the landlord keeps it, and who pays for reinstatement, because that dilapidations position directly affects how a lender values the asset as security.
Can I finance a second or third court once the first is trading?
Yes, and it is usually more straightforward than the first court. Once you have trading history and booking data from an existing court, lenders can underwrite against the business's cash flow rather than purely against the asset, which often brings better rates and a lower deposit requirement. Many operators finance their first court cautiously and then expand faster once occupancy proves the model works on that site.
How long is a typical padel court finance term?
Terms usually run from 24 months up to 84 months. Longer terms suit the structure and groundworks, which have a working life well beyond most finance agreements, while shorter terms are sometimes used for the surfacing and lighting, which need replacing sooner. Matching the term to how long each part of the build actually lasts keeps monthly payments proportionate to the asset's remaining useful life.

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