Spread the cost of warehouse and pallet racking from £3,000 to £150,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, 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 £3,000 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.
Typical Cost
£3k – £150k
Approval Speed
24–48 hours
Same-day for < £30k
Rates From
5.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical racking price. Indicative only, not a quote.
Compare racking finance rates from 200+ lenders
Check EligibilityOn 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.
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 Adjustable Pallet Racking (x20 bays) | £12,000 – £30,000 | Pallet Racking |
| Dexion Speedlock Racking Run | £8,000 – £20,000 | Boltless Racking |
| Cantilever Racking System | £10,000 – £25,000 | Long-Load Storage |
| Full Warehouse Racking Fit-Out | £40,000 – £120,000 | Complete Warehouse |
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Check EligibilityRacking is treated as moveable plant and machinery and generally qualifies for Annual Investment Allowance, letting the cost be deducted from taxable profits in the year of purchase. Because racking systems bolt together and can be dismantled, relocated or reconfigured, they are treated differently from fixtures permanently built into the building. HP agreements let you claim capital allowances directly; lease payments are deducted as an ongoing expense instead.
Racking is financed by warehouse and distribution businesses expanding storage capacity, fitting out a new unit, or reconfiguring an existing layout for a different pallet or SKU mix. Because racking systems are bolted together rather than fixed to the building fabric, they can be dismantled and relocated, which gives them a resale market and makes them straightforward for a lender to fund as asset finance and recover if a deal fails. Racking sized correctly for current stock volumes with headroom for growth is the norm, since a full reconfiguration later costs more than extending an existing run. A lender funding a larger racking installation will typically want to see that the design has been signed off by a qualified racking installer, since load capacity and seismic or impact protection standards affect both safety and the resale value of the structure.
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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