Spread the cost of VRF air conditioning systems from £12,000 to £300,000+ with flexible finance options. HP, lease, or refinance
Yes, vrf systems 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 £12,000 to £300,000, and most deals are written over 12–84 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
£12k – £300k
Approval Speed
24–48 hours
Same-day for < £75k
Rates From
4.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical vrf system price. Indicative only, not a quote.
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £65,000: a 10% deposit of £6,500, then 48 monthly payments of £1,371 at 5.9% APR representative (fixed). Total amount payable £72,308, 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 |
|---|---|---|
| Mitsubishi Electric City Multi PURY Series | £30,000 – £110,000 | VRF Heat Recovery System (22-124kW) |
| Mitsubishi Electric PURY-EP Series | £45,000 – £140,000 | VRF High-Efficiency Heat Recovery System |
| 30kW 2-pipe heat pump VRF (specification class) | £18,000 – £30,000 | 2-Pipe Heat Pump VRF (single-mode zones) |
| 80kW 3-pipe heat recovery VRF (specification class) | £55,000 – £90,000 | 3-Pipe Heat Recovery VRF (mixed heating/cooling zones) |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
VRF systems generally qualify for the Annual Investment Allowance, so the outdoor units, indoor units and controls can usually be set against taxable profits in the year of purchase. The outdoor condensing unit is typically moveable plant, while the refrigerant pipework and indoor units built into ceilings and walls may be treated as fixtures once installed. Splitting the finance and capital allowance treatment between these elements is worth discussing with your accountant before the works begin.
VRF systems are bought by office landlords, hotels and mixed-use developers who need independent heating and cooling across many separate zones from a small number of outdoor units. Because one installation typically comprises an outdoor unit, extensive pipework and dozens of indoor units, finance is usually arranged for the whole system rather than piece by piece, and often forms part of a wider refurbishment package. A 3-pipe heat recovery system costs more to install than a 2-pipe heat pump system but allows one zone to reject heat while another calls for it, which is why the choice between the two is usually made by the mechanical engineer at design stage rather than by price alone. Replacement is generally driven by the outdoor unit reaching the end of its compressor life, since indoor units in good condition are often retained and reconnected to new outdoor plant. F-gas certified engineers are required for installation and any work on the refrigerant circuit.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
See how lenders treat hvac & refrigeration assets
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.