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Water Recycling System Finance

Finance commercial water recycling and greywater systems from £8,000 to £250,000, for sites with high water usage. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a water recycling system?

Yes, water recycling 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 £8,000 to £250,000, 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.

200+ UK lenders
2-minute application
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Typical Cost

£8k – £250k

Approval Speed

24–48 hours

Water balance assessment recommended first

Rates From

4.8% APR

What would a water recycling system cost per month?

£45,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical water recycling system price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.2% APR
Term
12–84 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses wanting to own the system outright

Finance Lease

Rate
From 4.8% 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 5.6% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Zero upfront cost, includes filtration and controls

Representative example

On a purchase price of £45,000: a 10% deposit of £4,500, then 48 monthly payments of £949 at 5.9% APR representative (fixed). Total amount payable £50,052, 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
Hydraloop HL500 (Commercial Greywater) £6,000 – £9,000 Greywater Recycling Unit
GRAF UK Greywater Recycling System (Commercial) £20,000 – £40,000 Commercial Greywater System
Kingspan Klargester Wastewater Treatment Plant £15,000 – £35,000 Wastewater Treatment Plant
Industrial Water Recycling Plant (Custom) £80,000 – £200,000 Industrial-Scale System

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Tax benefits

Water recycling systems generally qualify as plant and machinery for capital allowances, so a business can typically set some or all of the cost against taxable profits through the Annual Investment Allowance or other first-year reliefs, subject to your total qualifying spend for the year. Confirm current treatment with your accountant before finalising the finance structure.

Market context

The typical buyer is a business with genuinely high water usage relative to its size, such as a hotel, laundry, food processor, car wash or manufacturing site, where water and trade effluent charges make up a meaningful part of operating costs, or a site facing constraints on mains water supply or discharge consent. Systems range from simple greywater reuse (recycling water from sinks or showers for non-potable uses like toilet flushing or irrigation) up to full wastewater treatment plants for sites without mains sewer access. The right system size and type depends heavily on your specific water balance, how much greywater or wastewater you actually generate and where it could realistically be reused, which is best assessed by a specialist before financing.

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

What's the difference between greywater recycling and a wastewater treatment plant?
Greywater recycling captures relatively clean water from sources like sinks, showers or process rinse water and treats it lightly for reuse in things like toilet flushing or irrigation. A wastewater or sewage treatment plant handles foul water to a standard suitable for discharge, typically for sites without access to mains sewer. The two serve different purposes and are usually specified separately depending on your site's water sources and discharge situation.
Will a water recycling system reduce my water and effluent bills?
It can, particularly for high water-use businesses paying both a supply charge and a trade effluent or sewerage charge, since recycling reduces both how much fresh water you buy and how much wastewater you discharge. The actual saving depends on your current usage, tariff structure and how much of your water use can realistically be met by recycled water, so it's worth having a specialist model your specific water balance before financing.
Does a water recycling system need regular maintenance?
Yes, most systems need periodic filter changes, UV lamp replacement (where used for disinfection) and general servicing to keep water quality within safe limits for its intended reuse. Some suppliers include a maintenance contract alongside the equipment, which is worth factoring into your overall running cost alongside the finance repayment. Skipping scheduled servicing can allow water quality to drift outside safe limits without an obvious warning sign, so most installers treat a maintenance contract as a standard part of the package rather than an optional extra.
What deposit is needed for water recycling system finance?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases typically require no deposit. For larger, custom industrial systems, lenders will usually want a detailed technical specification and water balance assessment from the supplier before confirming terms. The exact figure a lender offers often reflects your trading history and credit profile as much as the equipment itself, so a strong set of accounts can sometimes bring it down further, and it's worth comparing terms from more than one lender rather than accepting the first quote.
How quickly can I get water recycling finance approved?
Standard commercial greywater systems are often approved within 24 to 48 hours once accounts and a supplier quote are provided. Larger, custom-engineered industrial systems typically take longer, as underwriters usually want the site-specific design and water balance study confirmed before releasing funds. Providing a full set of recent accounts and a firm, itemised supplier quote at application stage generally speeds up the underwriting process, since most delays come from lenders chasing missing paperwork rather than from the credit decision itself.

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