Warehouse shelving finance
Boltless bays and small-parts storage cost little individually but add up fast when you are fitting out a whole pick face.
Whole-of-market — 60+ lenders searched, including
Can you finance a warehouse shelving?
Yes, in practice as part of a larger facility rather than on its own. Shelving is a low-value commodity product with essentially no second-hand value once installed, so funders treat it as soft and lend against your business. A full pick-face installation across a big warehouse can still be a significant project, and those are funded regularly. What catches people out is the minimum: a few dozen bays of boltless shelving is too small an amount for most funders to write as a standalone agreement.
Used kit: No — used shelving has almost no funder value, and the labour to strip and re-erect it typically exceeds what the bays are worth.
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What would a warehouse shelving cost per month?
Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
How lenders treat it
The softest item on most warehouse schedules. Shelving is manufactured in volume by many suppliers, is largely interchangeable, and second-hand bays are worth so little that clearance companies often charge to take them away. No funder is lending against the steel here. What makes a shelving project fundable is size and context: a national rollout across several depots, or a pick-face installation presented alongside pickers, conveyors or racking, gives a facility that a funder can size properly. Mobile shelving on floor-mounted rails and heavy-duty drawer cabinets sit slightly higher on the value scale but the principle holds. Expect underwriting entirely on your accounts and, in a leased unit, possibly a landlord acknowledgement on a large installation.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Dexion HI280 | Boltless industrial shelving for stores |
| Dexion Impex | Longspan warehouse shelving for bulky items |
| Link 51 Euro Shelving | Boltless steel shelving bays |
| Link 51 Longspan Shelving | Longspan shelving for bulky stock |
| Apex Bolt-Free Shelving | Boltless steel shelving for parts storage |
| Stow Shelving | Steel shelving for picking areas |
| Mecalux Longspan | Longspan shelving with chipboard decks |
| Mecalux M3 | Light duty picking shelving |
| Bisley Steel Cupboards | Lockable steel storage cupboards |
| Ohra Shelving | Heavy duty steel shelving |
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Who buys one
Spare parts distributors, electrical and plumbing merchants, pharmacies and e-commerce operations building a small-item pick face, plus solicitors and accountants funding archive storage in a back room. The usual trigger is a stock range that has multiplied far faster than the space available, with pickers walking further every month, new lines living on the floor in boxes, and stock going missing because there is nowhere consistent to put it.
Get a quoteor call 07581 364281
How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Warehouse shelving finance questions
Is there a minimum project size worth financing?
Most funders have a floor below which an agreement is not economic to write, and a small shelving order will often sit under it. The practical route is to combine shelving with the other equipment you are buying at the same time so the facility is a sensible size and the administration is proportionate.
Can shelving across multiple branches be funded as one deal?
Yes, and that is where shelving finance genuinely makes sense. A rollout across ten branches is a substantial project with a clear commercial rationale. Funders look at the total and at your accounts, and a schedule showing what goes where keeps the record clean.
Is mobile shelving on rails treated differently?
A little. Mobile systems cost far more per square metre and involve floor-mounted rails, which pushes them further toward being a fixture but also makes the project large enough to fund properly. Expect the same business-led underwriting, with the added question of landlord consent for the rail installation.
Why does my supplier suggest financing the shelving with the racking?
Because it produces a better outcome for you. One project, one agreement, one drawdown and one payment, sized to be worth a funder’s attention. Splitting a fit-out into small pieces multiplies the paperwork and risks parts of it falling below what funders will consider.
Can we add archive and office storage to a warehouse facility?
Usually yes, if it is on the same supplier invoice and forms part of the same project. Filing cabinets and archive racking are soft items with minimal recovery value, so they ride on the back of the wider package rather than standing on their own merits.
Get a quoteor call 07581 364281
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
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Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.