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CW Asset Finance | Vehicle & Equipment Finance Yorkshire

← All finance questions

Can I finance warehouse racking?

Yes, but racking is a soft asset and you should go in expecting a narrower field of lenders. Once installed, racking is bolted into a specific building, costly to dismantle and worth far less second-hand than it cost new. That weak security means funders lean heavily on your accounts and trading record.

Where racking is funded, it is often because the business is established and profitable, or because the racking forms part of a larger package alongside harder assets such as forklifts, which improves the overall proposition. A package deal is frequently more fundable than racking on its own.

Installation, design, safety inspection and load signage are usually part of the supplier quote. Lenders differ on how much of the install labour they will include, and some will fund only the materials. Ask before you sign the supplier order.

There is also the tenancy question. If you lease your warehouse, think about what happens at the end of the property lease while the finance agreement is still running — the payments continue whether or not you are still in the building. Be honest with yourself about that timeline. Approval is always the lender’s decision.

Thinking about it for your own business?

Tell us what you are looking to fund and we will search our panel of 60+ lenders. No credit search at this stage, and indicative decisions in as little as 24 hours.

CW Asset Finance is a credit broker, not a lender. Finance is subject to status and lender approval.