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RFID System Finance

Spread the cost of an RFID system from £2,500 to £100,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.

Can you finance a rfid system?

Yes, rfid systems 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 £2,500 to £100,000, and most deals are written over 24–48 months with a deposit of around 10–20%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£3k – £100k

Approval Speed

24 hours

Same-day for < £30k

Rates From

5.6% APR

What would a rfid system cost per month?

£20,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical rfid system price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.9% APR
Term
24–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
A fixed installation, such as warehouse portals, the business expects to run for years

Finance Lease

Rate
From 5.6% APR
Term
24–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Bundling readers, antennas and installation into one deductible payment

Operating Lease

Rate
From 6.3% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Retailers rolling out RFID stock accuracy across a growing store estate

Representative example

On a purchase price of £20,000: a 10% deposit of £2,000, then 48 monthly payments of £422 at 5.9% APR representative (fixed). Total amount payable £22,256, 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
Zebra FX Series Fixed RFID Reader £1,200 – £4,000 per unit Fixed RFID Reader
Handheld RFID Reader/Scanner £1,500 – £4,500 per unit Handheld RFID Reader
RFID Portal/Doorway Antenna Kit £3,000 – £12,000 per portal Portal Antenna System
RFID Tags & Labels (bulk order) £0.05 – £0.50 per tag Consumable Tags

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Tax benefits

RFID readers, antennas and portal hardware qualify for the Annual Investment Allowance, so a purchase or HP agreement can be deducted against taxable profit in the year of purchase, and lease payments are deductible in full as they are paid. RFID tags and labels are a consumable, purchased on an ongoing basis and expensed as used rather than capitalised, and any inventory or asset-tracking software platform is licensed separately as a running cost.

Market context

The typical buyer is a retailer improving stock accuracy at the item level, a warehouse or logistics operation automating goods-in and goods-out counting, or an asset-heavy business tracking equipment across sites, most commonly installing fixed readers at doorways or dock doors alongside handheld readers for cycle counting. RFID adoption in retail in particular has grown as the technology has matured, since item-level tagging allows near-instant stocktaking compared with manual barcode counting, though the tags themselves are an ongoing consumable cost that scales with the volume of goods tagged, separate from the reader and antenna hardware being financed. Fixed reader and antenna installations are usually planned around specific choke points, such as doorways or conveyor lines, which makes the installation and positioning of hardware as important to the project as the equipment specification itself.

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

Does RFID system finance cover the tags themselves?
No, RFID tags and labels are a consumable applied to every item or asset being tracked, purchased on an ongoing basis as stock moves through the business, and are expensed rather than financed as a capital asset. The finance agreement covers the readers, antennas and any fixed portal hardware, which is a one-off purchase rather than a recurring cost. Some businesses build tag cost into their per-unit product pricing rather than treating it as a separate line item, which is worth considering when budgeting for a rollout.
Does the finance cover the inventory or asset-tracking software platform?
Generally no, the software platform that interprets RFID reads and turns them into stock or asset records is usually licensed separately, often on an annual per-site or per-user subscription, and is treated as a running cost rather than an asset, so it sits outside the equipment finance agreement covering the readers and antennas. Some RFID hardware manufacturers bundle a basic software platform free with the readers and only charge for advanced reporting or integration features, so it's worth checking what's included before assuming a separate licence is needed.
Where are fixed RFID readers typically installed?
Fixed readers and antennas are commonly installed at doorways, dock doors or conveyor lines, positioned to catch tagged items as they pass through a specific point in the business, which is why planning the physical layout matters as much as choosing the reader hardware itself. A site survey from your RFID installer before ordering equipment helps avoid coverage gaps once installed.
Is leasing or hire purchase better for an RFID system?
Hire purchase suits a fixed, single-site installation, such as warehouse doorway portals, that a business expects to run unchanged for years. A lease suits a retailer or logistics business planning to expand RFID coverage across a growing number of stores or sites, since it makes it easier to add hardware progressively as the rollout continues. A retailer piloting RFID at one store before deciding on a full rollout often starts with hire purchase for the pilot, then moves to a lease for the wider expansion once the results justify it.
How quickly can RFID system finance be approved?
Most applications are approved within 24 hours, and rfid system purchases under £30,000 are often approved the same day, provided the business has a clean credit history and the supplier's quote is straightforward to review. Larger orders, multi-site rollouts, or purchases bundled with other equipment on the same agreement can take a little longer, since the lender needs to review the full specification and how the purchase fits with what the business already has in place.

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