Energy monitoring finance
Funding for sub-metering and monitoring systems that break site consumption down by circuit, machine or tenancy across one or many buildings.
Whole-of-market — 60+ lenders searched, including
Can you finance energy monitoring?
Yes, with the honest qualifier that monitoring is mostly software and small hardware, which is not a natural fit for asset finance. Meters, current transformers and gateways are inexpensive individually; the value sits in the installation labour and the platform subscription. Funders will look at a monitoring rollout where the total commitment is meaningful, typically across a multi-site estate, and where a fixed-term licence can be included. Single-building installations are often better handled as an operating cost than as a financed asset.
Used kit: No. Second-hand metering hardware has negligible value and is not funded as a stand-alone asset.
Get a quoteor call 07581 364281
What would energy monitoring 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
Monitoring tests the boundary of what asset finance is for. The physical items — meters, clamps, gateways, display panels — are low value and become part of the distribution boards they are fitted into, so recovery is not a serious proposition. The substantial cost is engineer time and a recurring software licence, and funders differ sharply on whether they will fund either. Some will include a fixed-term licence on the same invoice; others insist subscriptions are excluded entirely. Scale is what makes these cases work: a rollout across dozens of sites has enough value to be worth structuring, while a single building rarely does. Where monitoring accompanies a larger energy project it is usually simplest to fund it within that package.
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 |
|---|---|
| Schneider Electric PowerLogic sub-metering | Circuit level electrical sub-metering |
| Socomec Diris meters | Panel mounted energy meters |
| Carlo Gavazzi EM340 meters | Three phase energy monitoring meters |
| Siemens Sentron PAC meters | Distribution board energy meters |
| Elcomponent sub-metering systems | British built metering and logging |
| eSight Energy reporting platform | Energy reporting and analysis software |
| Schneider EcoStruxure Power Monitoring Expert | Power monitoring software platform |
| Half-hourly data collection and AMR meters | Automatic meter reading installation |
| Machine level current transformer kits | Production machine energy monitoring |
| Tenant recharge metering package | Landlord recharge metering system |
Get a quoteor call 07581 364281
Who buys one
Multi-site retail, hospitality and care operators wanting comparable data across branches, landlords recharging energy to tenants in multi-let buildings, manufacturers attributing consumption to specific machines or shifts, and businesses assembling data for customer or regulatory reporting. The trigger is usually a reporting obligation with a deadline, or a suspicion that one site is consuming far more than its comparable neighbours.
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.
Energy monitoring finance questions
Can the software subscription be financed?
Sometimes. Where a licence is for a fixed term and appears on the same supplier invoice as the hardware and installation, certain funders will include it. Others treat ongoing subscriptions as a service to be paid separately. It depends on which funder ends up with the case.
Is a single site worth financing?
Often not. The total cost of monitoring one building is usually small enough that funders would rather not set up an agreement for it, and you may be better treating it as an operating expense. Multi-site rollouts are a different matter and are routinely funded.
Can monitoring be added to a solar or lighting project?
Yes, and that is usually the neatest route. Bundling the meters and platform into a larger installation means one invoice, one agreement and a total value the funder is comfortable with, rather than a small stand-alone application that struggles to find a home. It also means one set of documents rather than several.
Do landlords fund metering for tenant recharging?
Frequently. Where a landlord needs to apportion energy costs fairly across a multi-let building, sub-metering pays for itself in recovered charges and disputes avoided. Funders assess the landlord’s rental income and portfolio rather than looking for value in the meters themselves. Evidence of the current recharge arrangement helps explain the purchase.
What happens to the meters at the end of the agreement?
In practice they stay where they are. Once wired into distribution boards they form part of the electrical installation and nobody removes them for resale. Funders understand this, which is why these cases are underwritten on the business rather than the hardware. Ownership at the end of the agreement is dealt with in the documentation.
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.
Get your quote
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.