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Security Shutters Finance

Commercial security roller shutters cost from around £1,400 for a small manual unit to £9,000 for a large motorised or fire-rated door, supplied and fitted.

Can you finance a security shutters?

Yes, security shutterss 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 £1,400 to £9,000, 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.

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Typical Cost

£1k – £9k

Approval Speed

24–48 hours

Same-day for < £30k

Rates From

5.6% - 9.9% per annum

What would a security shutters cost per month?

£4,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical security shutters price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
5.9% - 9.9% per annum
Term
24-60 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Retailers and warehouse occupiers installing shutters as a permanent security fixture

Finance Lease

Rate
5.6% - 8.9% per annum
Term
24-60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Multi-unit retailers standardising shutters across several premises on one deductible payment

Operating Lease

Rate
6.3% - 9.9% per annum
Term
24-48 months
Deposit
None required
Ownership
Return at end
Best for
Businesses that want shutters off balance sheet and refreshed on a set maintenance cycle

Representative example

On a purchase price of £4,000: a 10% deposit of £400, then 48 monthly payments of £84 at 5.9% APR representative (fixed). Total amount payable £4,432, 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
Manual security roller shutter (small opening) £1,400 - £2,500 Manual Roller Shutter
Motorised commercial security shutter £2,500 - £6,000 Motorised Roller Shutter
Fire-rated roller shutter (compartmentation or escape route) £2,500 - £9,000 Fire-Rated Roller Shutter

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Tax benefits

A security shutter is treated as plant and machinery for tax purposes, so it qualifies for the Annual Investment Allowance (AIA), letting a business deduct the full cost from taxable profits in the year of purchase, up to the current £1,000,000 annual limit. Companies buying new, unused equipment may also qualify for full expensing, a 100% first-year deduction against Corporation Tax. These allowances apply where you own the asset, so they are available under a Hire Purchase agreement. Under a Finance Lease or Operating Lease you do not own the shutter outright, so allowances are not claimed directly; instead the payments are generally deducted as a business expense against profits. Always confirm treatment with your accountant before committing to a structure.

Market context

Security shutters are bought by retailers, warehouses and industrial units to protect openings outside trading hours, and increasingly by landlords fitting fire-rated shutters that close automatically on a fire alarm signal to protect an escape route or compartment line, which is a life-safety function rather than a discretionary security upgrade. Because a shutter is fixed to an opening once installed, it's typically financed on the supply-and-fit invoice in the same way as other building-fixed equipment. Replacement is driven by wear to the motor, guides and lath rather than the housing, and fire-rated units in particular need regular servicing to remain reliable, which is a running cost separate from the finance agreement.

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

Can I finance a fire-rated shutter differently to a standard security shutter?
Both are financed in the same way, against the supply-and-fit invoice, though a fire-rated shutter typically costs more than a standard security shutter of the same size given the additional certification, controls and integration with the fire alarm system needed for it to close automatically. Whichever type you need, mention it clearly to your broker so the quote reflects the correct specification.
Does shutter finance cover installation as well as the shutter itself?
Yes, most lenders are happy to include installation, controls and any structural work to the opening on the same agreement as the shutter, provided it's itemised on the installer's invoice. On motorised or fire-rated shutters, installation and integration can be a meaningful share of the total cost. Your broker can talk this through against your own trading history and site circumstances before you commit to a particular structure.
How many shutters can I finance on one agreement across multiple openings?
There's no fixed limit, and multi-shutter installations across several openings, or across several sites for a multi-unit retailer, are commonly financed on a single agreement or a set of matched agreements. This is often more efficient than financing each shutter separately. Structuring it this way is usually simpler to administer than running separate agreements for each unit, and the combined value of the deal can also help when negotiating rate.
Is a security shutter eligible for Annual Investment Allowance?
Yes, a security shutter qualifies as plant and machinery, so it's eligible for AIA up to the current annual limit under Hire Purchase. Leased shutters don't attract AIA directly, but the rental is usually deductible as a business expense instead. Confirm the treatment with your accountant before committing to a structure. Because AIA is a single annual limit across all your capital purchases, it's worth checking the timing of this purchase against anything else you're planning to buy or finance in the same tax year, particularly if several items are being bought together.

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