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Rainwater Harvesting Finance

Finance commercial rainwater harvesting systems from £5,000 to £200,000, for irrigation, washdown and non-potable water use. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a rainwater harvesting?

Yes, rainwater harvestings 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 £200,000, and most deals are written over 12–84 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£5k – £200k

Approval Speed

24–48 hours

Catchment and demand assessed together

Rates From

4.7% APR

What would a rainwater harvesting cost per month?

£35,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical rainwater harvesting price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.1% APR
Term
12–84 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses wanting to own the tank and pump system outright

Finance Lease

Rate
From 4.7% APR
Term
12–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.5% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Zero upfront cost, includes storage, filtration and pumps

Representative example

On a purchase price of £35,000: a 10% deposit of £3,500, then 48 monthly payments of £738 at 5.9% APR representative (fixed). Total amount payable £38,924, 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
GRAF UK Platin Rainwater Tank (6,500L, Commercial) £4,000 – £7,000 Underground Storage Tank
Kingspan Aqua Cell Underground System £8,000 – £15,000 Underground Attenuation & Storage
Stormsaver Commercial Rainwater Harvesting System £15,000 – £30,000 Commercial Harvesting System
Large Industrial Harvesting System (50,000L+) £60,000 – £120,000 Industrial-Scale System

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Tax benefits

Rainwater harvesting systems generally qualify as plant and machinery for capital allowances, so a business can typically set some or all of the cost against taxable profits through the Annual Investment Allowance or other first-year reliefs, subject to your total qualifying spend for the year. Confirm current treatment with your accountant before finalising the finance structure.

Market context

The typical buyer has a genuine non-potable water demand, most commonly irrigation for horticulture and landscaping, vehicle or equipment washdown, or toilet flushing in a large commercial building, and wants to reduce mains water consumption for that specific use rather than for drinking water. Systems range from a simple underground tank and pump serving a single use, up to larger installations feeding multiple points across a site. Sizing is driven by two things: how much roof or hard-standing catchment area is available to collect rainwater from, and how much non-potable demand there is to use it, so both need assessing together before setting a finance amount.

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 can harvested rainwater actually be used for?
Typically anything that doesn't require drinking water quality: irrigation, vehicle or equipment washdown, toilet flushing, and some industrial process uses. It generally isn't suitable for drinking or food preparation without additional treatment well beyond a standard harvesting system. Your intended use should be confirmed with the installer at the design stage, since it affects the level of filtration the system needs.
How is a rainwater harvesting system sized?
Sizing depends on two factors that need to be balanced: how much roof or hard-standing area you have to collect rainwater from, and how much non-potable demand you actually have to use it for. A system sized only around catchment area might collect more water than you can use, while one sized only around demand might run dry in drier periods without mains top-up. A proper site assessment covers both sides of that equation.
Does a rainwater harvesting system need a mains water backup?
Most commercial systems include an automatic mains top-up so that if the harvested supply runs low during dry weather, the system switches to mains water to avoid interrupting whatever process depends on it. This is usually included in the standard system design and specified by the installer based on your reliability requirements. Confirming exactly how the top-up is triggered, and what happens during a mains supply interruption, is worth covering with your installer at the design stage so the system's reliability matches what your intended use actually requires.
What deposit is needed for rainwater harvesting finance?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases typically require no deposit. For larger installations involving groundworks and multiple distribution points, lenders will usually want a detailed, itemised quote from the installer before confirming terms. Newer businesses or those with a thinner credit file may be asked for a deposit toward the higher end of that range, while an established business with several years of accounts can sometimes negotiate it lower, so it's worth discussing your specific position with a broker before assuming a fixed figure.
How quickly can I get rainwater harvesting finance?
Most standard commercial installations are approved within 24 to 48 hours once accounts and a supplier quote are provided. Larger systems with significant groundworks or multiple distribution points may take longer to install once finance is approved, though the finance decision itself is usually straightforward for this equipment category. Having your accounts, bank statements and a signed supplier quote ready before you apply generally shortens the process, as underwriters otherwise have to pause and request the same documents before they can issue a decision.

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