Spread the cost of packaged rooftop units from £15,000 to £250,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, rooftop units 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 £15,000 to £250,000, 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.
Typical Cost
£15k – £250k
Approval Speed
24–48 hours
Same-day for < £75k
Rates From
4.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical rooftop unit price. Indicative only, not a quote.
Compare rooftop unit finance rates from 200+ lenders
Check EligibilityOn a purchase price of £55,000: a 10% deposit of £5,500, then 48 monthly payments of £1,160 at 5.9% APR representative (fixed). Total amount payable £61,180, 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 |
|---|---|---|
| Trane Precedent Series | £25,000 – £60,000 | Packaged Rooftop Unit (3-25 tons) |
| Trane Airfinity Series | £40,000 – £120,000 | Packaged Rooftop Unit (20-300kW heating) |
| Trane IntelliPak Series | £70,000 – £220,000 | Packaged Rooftop Unit (20-162 tons) |
| 10 ton packaged RTU (specification class) | £22,000 – £32,000 | Small Retail/Office Rooftop Unit |
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Check EligibilityPackaged rooftop units generally qualify for the Annual Investment Allowance, so the full cost can usually be set against taxable profits in the year of purchase. Because a rooftop unit sits on a curb or plinth above the roofline and connects to the building by ductwork and cabling rather than being built into the structure, it is normally treated as moveable plant for capital allowances rather than a fixture, which most lenders and accountants find straightforward to finance.
Rooftop units are bought by retailers, restaurant groups and light industrial occupiers who need self-contained heating and cooling without the plantroom space a chiller and AHU combination would need. Multi-site operators often finance a rolling replacement programme across several stores rather than one unit at a time, which keeps the capital spread evenly year on year. Replacement is typically triggered by the compressor or heat exchanger failing beyond economic repair, since a packaged unit is not usually rebuilt in the way a central chiller might be. A reasonable used market exists for the smaller packaged sizes, supporting refinance of an existing unit where records of servicing are available.
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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