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Solar Farm Mounting Finance

Spread the cost of ground-mount solar mounting systems from £30,000 to £800,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a solar farm mounting?

Yes, solar farm mountings 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 £30,000 to £800,000, and most deals are written over 36-84 months with a deposit of around 10-20%. Decisions typically take 3–5 working days. 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

£30k – £800k

Approval Speed

3–5 working days

Faster once grid connection is confirmed

Rates From

5.3% APR

What would a solar farm mounting cost per month?

£150,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical solar farm mounting price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.8% APR
Term
36-84 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Businesses wanting to own the array outright

Finance Lease

Rate
From 5.3% APR
Term
36-84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax efficient; claim payments against profit

Asset Refinance

Rate
From 6.0% APR
Term
24-84 months
Deposit
None required
Ownership
Release capital tied up in an installed array
Best for
Farms wanting to release capital from an existing installation

Representative example

On a purchase price of £150,000: a 10% deposit of £15,000, then 48 monthly payments of £3,164 at 5.9% APR representative (fixed). Total amount payable £166,872, 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
Fixed-Tilt Ground-Mount Steel Racking System Priced per kWp installed (specification class, price not independently verified) Fixed-Tilt Ground-Mount Racking
Galvanised Steel Ground-Mount Frame, Driven Pile Foundations Priced per kWp installed (specification class, price not independently verified) Driven Pile Ground-Mount Frame
Single-Axis Tracker Mounting System Priced per kWp installed, higher cost than fixed-tilt (specification class, price not independently verified) Single-Axis Tracker Mount
Full Ground-Mount Array incl. Panels and Mounting, Farm Scale £250,000 - £800,000 (specification class, price not independently verified) Farm-Scale Ground-Mount Array

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Tax benefits

Solar generating equipment, including the ground-mount racking or tracker frame that holds the panels, is generally treated as plant and machinery for capital allowances purposes, even though the frame itself is fixed into the ground with driven piles or a concrete footing. This is a different position to an agricultural building such as a shed or a grain store, because the function of the installation is to generate electricity rather than to provide a building or storage structure, and HMRC's approach to plant is generally based on function rather than simply whether something is attached to the land. This is worth confirming for your specific installation, since the position can vary with unusual mounting or foundation methods.

Market context

Ground-mount solar installations are typically chosen by farms that have exhausted available roof space on existing buildings, or where an unused field corner, a poorly performing patch of land, or a south-facing slope makes better economic use as a solar site than as productive farmland. The available capacity of the local grid connection at the nearest substation is a common practical constraint on project size, often more limiting than the amount of land or roof space available, and can affect how a project is phased. Fixed-tilt mounting is the more common choice for farm-scale arrays, with single-axis tracking systems more usual on larger commercial-scale installations where the additional mechanical complexity is easier to justify against total output.

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

Is a ground-mount solar frame treated the same as a farm building for finance purposes?
No. Even though a ground-mount solar frame is fixed into the ground with piles or foundations, it is generally treated as plant and machinery because its function is to generate electricity rather than to provide a building or store, which is a different basis to how a shed or grain store is assessed. This means ground-mount solar equipment can usually be financed through standard equipment finance products such as hire purchase or a lease, rather than needing a secured loan or agricultural mortgage in the way a cattle shed or workshop typically does.
What is the difference between fixed-tilt and tracking mounting systems?
A fixed-tilt system holds panels at a set angle chosen to optimise annual output for your latitude, with no moving parts, which keeps installation and maintenance simpler. A single-axis tracking system rotates the panels through the day to follow the sun, adding mechanical components and cost but generally increasing output per panel compared with a fixed installation. Most farm-scale UK installations use fixed-tilt mounting, with tracking more common on larger commercial-scale projects where the extra output can better justify the added complexity and maintenance.
Does a grid connection need to be confirmed before I apply for finance?
It is strongly advisable to have a grid connection offer from your Distribution Network Operator confirmed, or at least well progressed, before applying for finance, since the connection capacity available at your local substation can determine the maximum size of installation that makes sense at your site. Lenders financing a solar project will generally want to see the connection position as part of the application, given how directly it affects the project's viability.
Can I finance the mounting system separately from the solar panels?
In principle the mounting frame and the panels could be itemised separately, but in practice most installers quote and finance a ground-mount solar project as a single combined package, since the mounting system, panels, inverters and cabling are installed and commissioned together as one system. It is unusual to finance the mounting structure alone. If you already own panels from a previous installation and are only adding or replacing the mounting structure, discuss this directly with your finance broker, since it is a less common request that a standard supplier quote may not be set up to cover cleanly.
How quickly can I get solar farm mounting finance?
Most applications are approved within 3 to 5 working days once a full supplier quote and grid connection position are available. Larger farm-scale arrays, particularly where connection works or phased construction are involved, may take a little longer while the lender reviews the complete project specification and connection timeline. Applying before the connection offer is finalised is possible, but be aware the lender may only issue a conditional approval until the connection capacity and any associated costs are confirmed in writing by the network operator.

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