FINANCE OPTIONS

^Get Asset Finance for Solar Panel Installations Today

Q: What borrowing amounts can SMEs get for solar asset finance?

For new solar installation asset finance, borrowing is typically around £10,000 to £500,000, depending on the system value, equipment specification, number of sites and cash position. For refinance or restructure of existing solar assets, amounts are often £20,000 to £500,000, depending on remaining balance and evidence supporting the asset value.

Q: How long does a solar asset finance decision take?

Initial decisions for new purchase cases are often around 1 to 7 working days when documentation is complete. Funds are commonly available within 1 to 3 weeks from application submission after checks and signing. Refinance or restructure typically takes longer, often 1 to 4 weeks, due to review of existing arrangements and evidence of the solar asset.

Q: What interest rates or APR should I expect?

Typical asset finance pricing for many prime-to-mid market SME cases is roughly 6% to 14% APR. For refinance or restructure, pricing can be higher, often around 7% to 16% APR, depending on risk and security value. Exact pricing is determined by lender policy, term, and your affordability and credit profile.

Q: Which solar asset finance type fits my situation?

Hire Purchase is often used when purchasing solar PV and financing the equipment with instalments, commonly 24 to 84 months. Conditional Sale can suit defined solar equipment purchases where the lender finances the purchase under a conditional security structure, often 36 to 84 months. If you already have a solar PV system, refinance or restructure may be considered to release cash or change repayments, usually over 24 to 84 months.

Asset Finance for Solar Panel Installations can help UK SMEs spread the cost of buying and installing solar PV over an agreed term. With this type of finance (Hire Purchase or Conditional Sale), the lender typically finances the purchase and is repaid through fixed monthly payments, while the solar equipment remains subject to the lender’s security or ownership rights until the contract is settled. Businesses use it to protect day-to-day cash, move projects forward sooner than waiting to save for capex, and plan repayments around energy transition timelines.

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Why choose solar asset finance

This finance structure is designed around the equipment itself, so you can fund solar PV while keeping more cash available for operations. It also provides clearer budgeting through monthly instalments, with terms commonly aligned to the equipment life. Timelines and pricing reflect your documentation and the lender’s assessment of affordability and equipment value.

Preserve working capital

Clear repayment planning

Term matched to equipment

SCALE YOUR BUSINESS TO NEW HEIGHTS

Common types of solar asset finance

Hire Purchase (solar equipment)

Ideal where you are buying solar PV for business premises and want to spread the installation cost over time. Lenders focus on affordability, business history, and the value and condition of the equipment being financed.

Hire Purchase (solar equipment)

Hire Purchase (solar equipment) suits UK SMEs and sole traders purchasing solar PV for their business sites. You will usually need a quotation or invoice for the system, confirmation of the installation plans and details of the premises, including ownership or lease status. If the premises are leased, landlord consent is often required so the lender can take the necessary security interest and you can legally install.

Conditional Sale (funded purchase)

Suitable for defined solar purchases where you prefer a structured repayment schedule secured against the equipment. It is typically underwritten on cash flow and your ability to meet instalments.

Conditional Sale (funded purchase)

Conditional Sale (funded purchase) is for SMEs buying solar PV equipment where the lender finances the purchase and takes a conditional security interest. Lenders usually ask for a binding supplier or installer quotation, specification details and evidence that you have the right to install at the site. For leasehold locations, landlord consent can matter because it affects installation rights and how the lender views security and residual value.

Refinance / Restructure on existing solar assets

Designed for businesses that already have solar installed and want to release cash or adjust their repayments by refinancing or restructuring the existing finance linked to the asset.

Refinance / Restructure on existing solar assets

Refinance / Restructure on existing solar assets can help you release working capital after installation, consolidate finance related to solar equipment, or extend terms to reduce monthly pressure. Eligibility depends on your current loan position, remaining asset value and affordability for the new repayments. Lenders will typically request evidence that the solar asset exists, along with basic information about installation and system details where available.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to get solar asset finance with Funding Agent

Tell us about your solar plan

Share your solar quotation or proposal, installer details and site information. If you are installing on leased premises, include landlord consent or the consent position, as lenders may need confirmation that installation rights exist and security can be taken.

We build your finance package

Funding Agent collects the key business information lenders use for underwriting, such as accounts and bank information. We then match your solar equipment and contract details to lenders that offer Hire Purchase or Conditional Sale secured against the equipment.

Get lender decision and sign

We submit to shortlisted lenders and help you review the proposed agreement. If the lender approves, you sign and the lender releases funds in line with the installation contract. You then make monthly payments over the agreed term.

Get Funding For your business

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

What borrowing amounts can SMEs get for solar asset finance?

How long does a solar asset finance decision take?

What interest rates or APR should I expect?

Which solar asset finance type fits my situation?

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June 24, 2025

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^Get Asset Finance for Solar Panel Installations Today

Why choose solar asset finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Common types of solar asset finance

Hire Purchase (solar equipment)

Hire Purchase (solar equipment)

Conditional Sale (funded purchase)

Conditional Sale (funded purchase)

Refinance / Restructure on existing solar assets

Refinance / Restructure on existing solar assets

Typical Funding Journeys on Funding Agent

How to get solar asset finance with Funding Agent

Tell us about your solar plan

We build your finance package

Get lender decision and sign

Get Funding For your business

Real Scenarios

Construction Company Needing Fast Working Capital

Ecommerce Business Preparing for Peak Season

Marketing Agency Using Invoice Finance

Property Developer Using Bridging Finance

Get A Clear Overview of Cost Effective Lenders

FAQ’S

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