Lendus.

Shelving Finance

Spread the cost of shop, warehouse or storeroom shelving from £1,500 to £60,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a shelving?

Yes, shelvings 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 £1,500 to £60,000, 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.

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

Typical Cost

£2k – £60k

Approval Speed

24–48 hours

Same-day for < £15k

Rates From

5.5% APR

What would a shelving cost per month?

£12,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 6.0% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses wanting to own shelving outright

Finance Lease

Rate
From 5.5% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax efficient; claim 100% of payments against profit

Operating Lease

Rate
From 6.3% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Add or reconfigure bays as storage needs change. Off balance sheet.

Representative example

On a purchase price of £12,000: a 10% deposit of £1,200, then 48 monthly payments of £253 at 5.9% APR representative (fixed). Total amount payable £13,344, 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
Link51 Longspan Shelving (x10 bays) £2,500 – £6,000 Longspan
Dexion Shelving Run (x20 bays) £5,000 – £12,000 Boltless Shelving
Mobile Shelving System £8,000 – £20,000 High-Density Storage
Full Storeroom Shelving Fit-Out £15,000 – £40,000 Complete Storeroom

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Tax benefits

Shelving 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. Boltless and longspan shelving systems can be dismantled and reconfigured or relocated, which supports their treatment as plant rather than as part of the building. HP agreements allow capital allowances to be claimed directly; lease payments are deducted as a business expense instead.

Market context

Shelving is financed across a wide range of businesses, from a single storeroom in a retail unit through to multi-bay runs in a warehouse or distribution centre. Because boltless and longspan shelving systems bolt together rather than being fixed to the building fabric, they can be dismantled, reconfigured and relocated, which gives them resale value and makes them straightforward for a lender to fund as asset finance. Buyers typically size a shelving order to current stock volumes with some headroom for growth, since adding further bays to an existing run later is usually cheaper than a full reconfiguration. Mobile, high-density shelving systems carry a higher cost than static boltless runs but recover more usable floor space, which is the main reason businesses choose them over conventional static shelving.

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 shelving for a small storeroom?
Yes. There is no minimum size for shelving finance, and smaller orders for a single storeroom or stockroom are common. Because shelving is a lower-cost, moveable asset, lenders are generally comfortable funding smaller amounts, though very small orders may find a business loan or supplier credit terms work out cheaper than a formal finance agreement once fees are accounted for.
What's the difference between shelving finance and racking finance?
The distinction is mostly about load and scale. Shelving typically refers to lighter-duty, hand-loaded storage, often boltless or longspan systems for stock, files or retail backroom storage. Racking usually refers to heavier pallet-handling systems designed for forklift use in a warehouse. Both are financed in the same way, as moveable plant, but racking projects tend to be larger and may involve a structural design sign-off before a lender will fund them.
Can I finance mobile, high-density shelving?
Yes. Mobile shelving systems, where bays run on tracks to eliminate fixed aisles, are financed the same way as static shelving. Because the higher unit cost is offset by the extra usable floor space gained, many businesses find the monthly finance payment is covered by the value of the space freed up, particularly in higher-rent city centre premises. A specialist broker comparing quotes across multiple lenders can usually confirm which product and rate best fits your specific circumstances within the same working day.
Do I need planning permission to install shelving?
Freestanding shelving does not usually require planning permission, since it is not a structural addition to the building. If you are a tenant, it is still worth checking your lease for any restrictions on fixing shelving to walls or floors, and confirming with your landlord before a large installation, even though this is a lighter requirement than for fixed fit-out works.
How quickly can I get shelving finance?
Most applications are approved within 24 to 48 hours. For orders under £15,000, same-day approval is common. Larger multi-bay warehouse shelving orders may take slightly longer if the lender wants to see a layout plan or load specification from the supplier alongside the quote. Where a quote mixes new and used shelving, or covers more than one site, it is sensible to allow a little extra time while the lender reviews the full specification before releasing funds.

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