Spread the cost of commercial polytunnels from £3,500 to £90,000+ with flexible finance options. HP, lease, or refinance
Yes, polytunnels 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 £3,500 to £90,000, 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
£4k – £90k
Approval Speed
24–48 hours
Same-day for < £20k
Rates From
5.6% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical polytunnel price. Indicative only, not a quote.
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £15,000: a 10% deposit of £1,500, then 48 monthly payments of £316 at 5.9% APR representative (fixed). Total amount payable £16,668, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| Polythene re-cover on an existing frame | £1,500 – £5,000 | Re-cover |
| 6m x 30m single-span polytunnel (frame and cover) | £3,500 – £7,000 | Single-span tunnel |
| 9m x 40m commercial polytunnel (frame and cover) | £8,000 – £16,000 | Large single-span tunnel |
| Multi-span polytunnel range (5 x 9m bays) | £40,000 – £90,000 | Multi-span range |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Because a polytunnel's steel hoop frame and polythene cover are lighter and more readily dismantled than a glasshouse, they are generally treated as plant and machinery rather than a building, and normally qualify for the Annual Investment Allowance up to £1,000,000 in the year of purchase. A polytunnel built on permanent foundations with solid sides is more likely to be treated as a structure; ask your accountant to confirm the treatment for your specific build before claiming, and note that seasonal payment profiles do not change the underlying tax position.
Polytunnels are bought by fruit and vegetable growers, market gardens and plant nurseries extending their growing season or adding covered growing space, and buying several tunnels or a multi-span range at once, timed ahead of planting, is a common way to expand capacity for a coming season. Finance suits this purchase because a season's growing capacity often depends on tunnel space being ready before planting starts, and the frame and cover are a single upfront cost that a grower would otherwise have to find from cash reserves at the busiest and most cash-constrained point in the growing calendar. Replacement spend is driven mainly by the polythene cover degrading under sustained UV exposure over a number of seasons, while the steel hoop frame itself lasts considerably longer, so many growers budget separately for a re-cover well before the frame needs attention. There is a modest secondhand market for reclaimed tunnel frames and hoops, though most polythene covers are bought new, since a UV-degraded cover has little resale value.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
See how lenders treat horticulture & forestry assets
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.