Spread the cost of van racking, supplied and fitted, from £1,200 to £6,500+ per vehicle with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, van rackings 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 £1,200 to £6,500, and most deals are written over 24–48 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£1k – £7k
Approval Speed
24–48 hours
Same-day for < £4k
Rates From
6.1% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical van racking price. Indicative only, not a quote.
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Check EligibilityOn a purchase price of £3,000: a 10% deposit of £300, then 48 monthly payments of £63 at 5.9% APR representative (fixed). Total amount payable £3,324, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| Modular steel racking, small panel van (SWB) | £1,200 – £2,200 | Small Van Racking |
| Modular steel racking with shelving and bins, medium panel van (MWB/LWB) | £2,200 – £4,000 | Medium Van Racking |
| Full ply-lined racking and storage fit-out, large panel van or Luton | £4,000 – £6,500 | Large Van Fit-Out |
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Check EligibilityVan racking is plant and machinery in its own right, so when financed separately from the vehicle it is fitted into, it qualifies for the Annual Investment Allowance, letting a business deduct the full cost from taxable profits in the year of purchase, up to £1,000,000, under Hire Purchase. Where racking is bought as part of the van's overall purchase price, it is instead usually treated under the same rules as the vehicle, so check with your accountant which applies to your invoice.
Trade businesses such as electricians, plumbers, and other mobile engineers buy van racking to organise tools, parts, and stock securely in the load area, work that a bare van floor makes slow and disorganised. Van racking is worth thinking about separately from the vehicle finance itself, because it is genuinely fitted equipment installed into a van the operator may lease, finance, or own outright, and a racking system bought and fitted independently remains the business's own asset even if the vehicle underneath it is on a lease or contract hire agreement that will eventually be handed back. Replacement is usually driven by a fleet renewing its vans and moving the racking across where possible, or racking wearing out from years of loading and unloading, rather than the racking failing outright. A functional used and refurbished market exists for standard modular racking systems removed from a vehicle being scrapped or sold on.
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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