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Studio Lighting Kit Finance

Spread the cost of a studio lighting kit from £1,500 to £20,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a studio lighting kit?

Yes, studio lighting kits 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 £20,000, and most deals are written over 12–48 months with a deposit of around 10–20%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£2k – £20k

Approval Speed

24 hours

Same-day for compact kits

Rates From

5.5% APR

What would a studio lighting kit cost per month?

£7,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical studio lighting kit price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.9% APR
Term
12–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Studios wanting to own the kit outright

Finance Lease

Rate
From 5.5% APR
Term
12–48 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
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Upgrading fixtures as LED and colour output specifications improve

Representative example

On a purchase price of £7,000: a 10% deposit of £700, then 48 monthly payments of £148 at 5.9% APR representative (fixed). Total amount payable £7,804, 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
Compact LED Panel Kit (2–3 lights) £1,500 – £4,000 Compact LED Panel Kit (specification class)
COB LED Fresnel Kit £4,000 – £9,000 COB LED Fresnel Kit, Aputure LS 600-class (specification class)
Full Studio LED Lighting Package £10,000 – £20,000 Full Studio Package, Kino Flo-class (specification class)

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Tax benefits

Studio lighting kits qualify for the Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase. Hire purchase lets you claim capital allowances as you own the asset from day one. Finance lease and operating lease payments are treated as a revenue expense and are usually fully deductible against profits.

Market context

Studio lighting kits are bought by photography and video studios, production companies and freelancers building out a fixed or portable lighting setup, ranging from a compact two or three light LED panel kit to a full studio package combining several fixture types for different shoot requirements. LED fixtures have largely replaced older tungsten and fluorescent lighting for new purchases given their lower running cost and colour consistency, and buyers typically choose fixtures based on output power and colour accuracy needed for their specific type of work, whether that's a small product photography setup or a full commercial video studio. Because production and freelance income is project-based, lenders assessing an application will typically look at booking history and client relationships alongside standard accounts, in the same way they would for camera equipment. Replacement is usually driven by wanting higher output or better colour rendering as LED technology improves rather than fixtures failing outright, and there is a reasonable used market for well-known fixture brands.

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 a full lighting package be financed as one agreement?
Yes, most lenders will finance a complete lighting kit, panels or fresnels, stands, modifiers and control accessories, as one agreement rather than requiring separate finance for each fixture. This is the normal way studios finance a lighting setup, so ask your supplier for one itemised quote covering the full kit you need.
Is it worth financing a compact LED panel kit given the lower cost?
Given how affordable a small two or three light LED kit is, many freelancers pay cash rather than finance it. Finance becomes more useful for a larger COB fresnel kit or a full studio lighting package, where the higher combined cost makes spreading payments over 12 to 48 months a more practical way to manage cash flow, particularly when building out a new studio.
How do lenders assess income for a photography or video studio?
As with other production equipment, studio income is often project-based rather than a steady monthly figure, so lenders will typically ask about recent bookings, repeat client work and upcoming confirmed projects alongside standard accounts. A studio with a mix of regular clients and project work is usually straightforward to assess against these criteria.
What deposit is typical for a studio lighting kit?
Hire purchase typically asks for 10 to 20 percent deposit, though on lower-value compact kits some lenders will accept less given the modest overall exposure. Finance lease and operating lease usually require none, which many studios use when building out a full lighting setup with fixtures, stands and modifiers on one order.
How quickly can studio lighting kit finance be approved?
Given the low to moderate value of most lighting kits, approval is typically fast, often within 24 hours for an established studio or freelancer. Full studio packages combining several fixture types may take slightly longer while the lender reviews the complete order.

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