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Warehousing & Racking Finance

Expand your warehouse operation and maintain your cashflow, thanks to our range of affordable warehouse finance solutions.
Borrow
 from
£10,000
 to
£5m.
  • Rates from
    7%
  • £0 Deposit
  • Funds available within 72 hours
Apply Now

How Warehouse Finance Can Help Your Business

Managing a warehouse efficiently requires the right equipment and infrastructure. However, acquiring these essentials—such as racking systems, forklifts, and conveyor belts—can be a significant investment.

At Union Business Finance, we offer affordable Warehouse & Racking Finance, providing tailored funding solutions that empower businesses to expand, optimise storage, and enhance operational efficiency. With our expert guidance and access to 100+ lenders, securing the right funding has never been easier.

Finance Calculator

 

Please note this is not a quotation for finance, this is for illustrative purposes only. The figures are available to UK incorporated businesses only. The value provided is intended as a guide only. For an accurate quotation please contact us.

Understanding Warehouse Finance

Warehouse finance is a specialised funding solution designed to help wholesale, logistics, storage and warehousing businesses acquire essential equipment and infrastructure.

It should not be confused with “warehouse financing”, which refers to short-term funding secured against stored inventory.

Warehouse finance enables businesses to purchase or lease:

  • Pallet racking and shelving systems to maximise storage space

  • Mezzanine structures (Not to be confused with “Mezzanine financing”)

  • Forklifts, pallet trucks, scissor lifts, cherry-pickers, and clamp trucks to improve material handling

  • Pallet wrapping / banding equipment and supplies
  • Loading bay repairs and upgrades for better efficiency
  • Conveyor systems for streamlined warehouse operations
  • Smart technology such as Automated Guided Vehicles (AGVs), or Automated Storage and Retrieval Systems (AS/RS)
  • Security enhancements, including CCTV and warehouse management systems
  • And more…

Who Can Benefit from Warehouse & Racking Finance?

Warehouse finance is ideal for:
  • Warehousing and storage companies
  • Logistics Companies
  • Wholesalers
  • Builders Merchants
  • Retailers
  • Major companies operating own warehouse operations

Benefits of Warehouse & Racking Finance

  • Preserve Cash Flow: Get the equipment you need without a large upfront cost.

  • Flexible Repayment Options: Choose terms that align with your financial planning.

  • Immediate Access to Equipment: No delays in upgrading your warehouse infrastructure.

  • Improve Efficiency & Productivity: Optimise warehouse operations and reduce downtime.

  • Tax Benefits: Some financing options allow you to offset payments against taxable profits.

  • Scalability: Expand your storage capacity as your business grows.

Eligibility for Warehouse Finance

To qualify for warehouse finance, businesses typically need to:

  • Be a UK-registered company (Sole traders, Limited Companies, and Partnerships are eligible)

  • Have been operating for at least 6 months

  • Demonstrate stable revenue or growth potential

  • Provide basic financial records for assessment

Case Studies

SDI Displays

How UBF Helped SDI Displays Expand Capacity with a £115,000 Hire Purchase Facility.

Client: SDI Displays Limited
Introducer: Prodek Design & Storage Systems.
Business Type: Retail design & display manufacturer.
Location: Loughborough, UK.
Funding Need: £115,000 for industrial racking.
Finance Solution:  Hire Purchase.
Term: 3 years.

View case study

Freight Minds

Freight Minds, Logistic provider facilities

How UBF Helped Freight Minds Expand Operations with a Smart Funding Solution

Client: Freight Minds Ltd
Business Type: International Logistics Provider (Events & Entertainment Industry).
Location: London Heathrow, UK.
Funding Need: £200,000 Equipment & Security Upgrades.
Solution: Asset Finance – Specialist Equipment Finance.
Loan Amount: £260,000.

View case study

    How Can I Apply?

    Applying for a business bridging loan with us couldn’t be easier. We understand that daily demands mean you may need funds as quickly as possible, so we’ve designed our process with this in mind:
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    1. Initial Consultation

    Get in touch with our team to discuss your needs and goals. We’ll answer any questions you may have, and help you understand the options available.
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    2. Submit Your Application

    Complete our simple online form, providing essential details about your business, the loan purpose, the required borrowing amount, and your repayment source.
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    3. Provide Supporting Documents

    Submit key documents, such as proof of identity, financial statements, and your exit strategy. Our team will guide you on exactly what’s needed.
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    4. Loan Assessment

    Our experts will assess your eligibility and loan terms, considering factors like the value of your collateral, your financial position, and your repayment plan.
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    5. Approval and Offer

    If your application is successful, we’ll present you with a loan offer, including all the terms and conditions. You’ll have the opportunity to review and discuss these before proceeding.
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    6. Receive Your Funds

    Upon acceptance of the loan offer and completion of the necessary legal and valuation checks, the funds will be transferred to you quickly.

    Why choose Union Business Finance?

    • Access to 100+ lenders to secure the best finance deals

    • Over 10 years of experience in business finance solutions

    • Competitive interest rates starting from 7%

    • Fast approval process, with funding available in as little as 72 hours

    • Industry-specific expertise in warehouse and logistics financing

    • Flexible repayment terms tailored to your business needs

    Ready to optimise your warehouse?

    Apply Now

    Let’s get started today.

    Contact us now for a free consultation on 01442 617 799, email us via This email address is being protected from spambots. You need JavaScript enabled to view it. or use our contact form below and we will call you back.

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    FAQs

    What’s the difference between warehouse finance and warehouse financing?
    • Warehouse finance helps businesses purchase essential warehouse equipment, such as racking and forklifts.
    • Warehouse financing, on the other hand, is a short-term loan secured against stored inventory.
    How quickly can I get funding for my warehouse upgrades?

    Approval can take as little as 24-72 hours, depending on your eligibility and financial standing.

    Can I finance both new and used warehouse equipment?
    Yes, warehouse finance can be used to fund both new and second-hand equipment purchases.
    What are the repayment terms for warehouse finance?

    Repayment terms vary depending on the lender but typically range from 12 to 72 months.

    Is a deposit required for warehouse finance?

    No upfront deposit is required in most cases. However, some lenders may request a small down payment based on creditworthiness.

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