Lendus.

Solar Panel Finance

Spread the cost of commercial solar installations from £10,000 to £500,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

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

Typical Cost

£10k – £500k

Approval Speed

24–48 hours

100% finance available

Rates From

From 4.2% APR

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Finance options

Hire Purchase (HP)

Rate
From 4.5% APR
Term
12–84 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses wanting to own the system and claim Feed-in Tariff

Finance Lease

Rate
From 4.2% APR
Term
12–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate
From 4.9% APR
Term
36–84 months
Deposit
None required
Ownership
Return at end
Best for
Zero upfront cost. Monthly savings often exceed payments.

Representative example

Borrow £65,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£1,353. Total amount payable: ~£64,944. Rates depend on your circumstances.

Popular models

Model Price Range Type
JA Solar DeepBlue 3.0 Pro £200 – £280 per panel Mono PERC 550W
SolarEdge SE100K Inverter £4,000 – £6,500 Three-Phase Inverter
50kWp Rooftop System £40,000 – £65,000 Commercial Rooftop
100kWp Ground Mount System £80,000 – £130,000 Ground Mount Array

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Tax benefits

Commercial solar installations qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one. Additionally, the government's Enhanced Capital Allowances scheme provides 100% first-year allowances for qualifying energy-saving equipment.

Market context

The UK commercial solar market is growing at 20% annually. Average payback period for commercial solar is 5–7 years. UK businesses with solar save £8,000–£15,000 per year on average. Over 1 million solar installations are now active in the UK.

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. Our eligibility check uses a soft search only — no impact on your credit score.

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Frequently asked questions

What ROI can I expect from commercial solar?
Most commercial solar installations pay for themselves in 5–7 years and then generate free electricity for a further 15–20 years. ROI depends on energy usage, system size, and whether you export surplus.
What deposit do I need?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit. Some lenders offer 100% finance for solar.
Can solar finance be cash-flow positive from day one?
Often yes. Monthly energy savings can exceed finance payments, especially for high energy users. We can model this for your business.
How quickly can I get solar finance?
Most applications are approved within 24–48 hours. For deals under £75k, same-day approval is common. Larger installations may take 3–5 working days.

Guides and resources

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