Green energy and EV charging finance

Yes, on our panel 31 of the 38 asset finance lenders fund green energy kit, which covers solar, battery storage, heat pumps, LED lighting schemes and efficient plant. The lender's question is the same as for any asset: what is it, who installed it, and what would it fetch. Roof-mounted solar is harder to repossess than a van, so lenders lean more on the business and the installer's warranty, and terms tend to be set so the repayment sits below the energy saving. Figures checked September 2026; panel composition changes over time.

18 lenders on our panel fund charging points, usually on hire purchase or a lease alongside the electrical work to install them. Chargers for your own fleet are a straightforward asset case. Chargers you intend to sell electricity through are a small trading business in their own right, and lenders will want to see the forecast as well as the invoice.

The finance is the same; the tax is not. 28 lenders on our panel fund electric cars, and vans go through the 32 that fund light commercial vehicles. On the tax side, new zero-emission cars qualify for a 100 percent first-year capital allowance until 31 March 2027, and a zero-emission van carries no van benefit charge for the driver, against a flat charge for a diesel one. Both are set out on GOV.UK and both change at fiscal events, so check the position with your accountant before the order goes in.

On hire purchase the VAT is normally due with the deposit, which on a £150,000 solar installation is a sizeable cheque. 25 lenders on our panel offer a VAT deferral so it is paid a quarter later, after the reclaim. A lease spreads the VAT across the rentals instead.

There are schemes at various times, from government and from local authorities, and they change often. We do not arrange grants and this page does not track them. Where a grant covers part of the cost, lenders will usually fund the balance in the ordinary way, and it helps to have the grant offer in writing before the finance is proposed.

Yes. We work with sole traders and partnerships as well as limited companies and LLPs for business loans, asset finance, invoice finance and merchant cash advances. Property-secured lending (commercial mortgages, bridging, development and buy-to-let) is for limited companies and LLPs only. Lender criteria differ by structure, so tell us how you trade and we will go to the right part of the panel.

Lending to a limited company or LLP for business purposes is generally unregulated commercial lending. CapExpand Ltd (FRN 1060885) is an Appointed Representative of White Rose Finance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630772). We work with UK limited companies, LLPs, sole traders and partnerships.