Full Lender Rate Comparison - October 2026
| Lender | Rate (APR) | Term | Deposit | Decision Speed | Detail |
|---|---|---|---|---|---|
| Lloyds Bank | 5.5–8.5% | 3–7 years | 10% | 5–10 days | View rates |
| HSBC | 5.0–8.0% | 3–7 years | 10% | 5–10 days | View rates |
| Close Brothers | 6.5–11.0% | 2–7 years | 0–10% | 2–4 days | View rates |
| Aldermore | 6.0–10.5% | 2–7 years | 0–10% | 2–5 days | View rates |
| Investec | 5.5–9.5% | 3–7 years | 10–20% | 3–7 days | View rates |
| Shawbrook | 6.5–11.0% | 2–7 years | 0–10% | 2–4 days | View rates |
| United Trust Bank | 7.5–12.5% | 2–7 years | 0–10% | 2–5 days | View rates |
| Nucleus Commercial Finance | 7.0–13.0% | 1–5 years | 0% | 24–48 hours | View rates |
All rates indicative and subject to credit approval. Doulton Bridging Finance acts as a credit broker, not a lender.
5 Tips for Getting the Best Robotics Finance Rate
Prepare your financials before applying
Lenders will want to see 2–3 years' accounts and up-to-date management accounts. Having these ready speeds up credit decisions and demonstrates financial strength.
Consider zero-deposit options to preserve cash
Several specialist lenders offer 100% LTV robotics finance. This allows you to fund the full asset cost and preserve working capital for integration and training costs.
Factor in installation and commissioning costs
Many lenders will finance not just the robot hardware but also installation, programming and integration costs when these are included in a single supplier invoice. Always ask your broker to include these in the facility.
Use the full expensing tax break alongside your finance
UK businesses can claim 100% first-year capital allowances on new robotics equipment under the full expensing rules. This does not prevent you from using asset finance - see our tax incentive guide for the optimal structure.
Compare the total cost, not just the headline rate
A lower rate with a larger deposit may cost more in opportunity cost than a higher rate with zero deposit. Model the total cost of finance including deposit and monthly payments, not just the APR.
Rates and criteria by lender
How each lender and manufacturer finance scheme on our panel prices this asset in October 2026, and where it fits. Rates are indicative; we compare them all for your case.
Aldermore Robotics and Automation Finance Rates
No single lender is the best option for every business. Aldermore's rates of 6.0–10.5% APR are competitive for established businesses but a whole-of-market search will confirm whether they offer the best terms for your specific deal.
| Finance Amount | Rate (APR) | Term | Indicative Monthly Payment |
|---|---|---|---|
| £15,000 | 6.0–10.5% | 4 yrs | £352 – £384 |
| £50,000 | 6.0–10.5% | 4 yrs | £1,174 – £1,280 |
| £200,000 | 6.0–10.5% | 4 yrs | £4,697 – £5,121 |
| £600,000 | 6.0–10.5% | 4 yrs | £14,091 – £15,362 |
Close Brothers Robotics Finance Rates
No single lender is the best option for every business. Close Brothers's rates of 6.5–11.0% APR are competitive for established businesses but a whole-of-market search will confirm whether they offer the best terms for your specific deal.
| Finance Amount | Rate (APR) | Term | Indicative Monthly Payment |
|---|---|---|---|
| £15,000 | 6.5–11.0% | 4 yrs | £356 – £388 |
| £50,000 | 6.5–11.0% | 4 yrs | £1,186 – £1,292 |
| £200,000 | 6.5–11.0% | 4 yrs | £4,743 – £5,169 |
| £600,000 | 6.5–11.0% | 4 yrs | £14,229 – £15,507 |
HSBC Automation Finance Rates
No single lender is the best option for every business. HSBC's rates of 5.0–8.0% APR are competitive for established businesses but a whole-of-market search will confirm whether they offer the best terms for your specific deal.
| Finance Amount | Rate (APR) | Term | Indicative Monthly Payment |
|---|---|---|---|
| £15,000 | 5.0–8.0% | 5 yrs | £283 – £304 |
| £50,000 | 5.0–8.0% | 5 yrs | £944 – £1,014 |
| £200,000 | 5.0–8.0% | 5 yrs | £3,774 – £4,055 |
| £600,000 | 5.0–8.0% | 5 yrs | £11,323 – £12,166 |
Investec Robotics Finance Rates
No single lender is the best option for every business. Investec's rates of 5.5–9.5% APR are competitive for established businesses but a whole-of-market search will confirm whether they offer the best terms for your specific deal.
| Finance Amount | Rate (APR) | Term | Indicative Monthly Payment |
|---|---|---|---|
| £15,000 | 5.5–9.5% | 5 yrs | £287 – £315 |
| £50,000 | 5.5–9.5% | 5 yrs | £955 – £1,050 |
| £200,000 | 5.5–9.5% | 5 yrs | £3,820 – £4,200 |
| £600,000 | 5.5–9.5% | 5 yrs | £11,461 – £12,601 |
Lloyds Bank Robotics Finance Rates
No single lender is the best option for every business. Lloyds Bank's rates of 5.5–8.5% APR are competitive for established businesses but a whole-of-market search will confirm whether they offer the best terms for your specific deal.
| Finance Amount | Rate (APR) | Term | Indicative Monthly Payment |
|---|---|---|---|
| £15,000 | 5.5–8.5% | 5 yrs | £287 – £308 |
| £50,000 | 5.5–8.5% | 5 yrs | £955 – £1,026 |
| £200,000 | 5.5–8.5% | 5 yrs | £3,820 – £4,103 |
| £600,000 | 5.5–8.5% | 5 yrs | £11,461 – £12,310 |
Nucleus Commercial Finance Robotics Finance Rates
No single lender is the best option for every business. Nucleus Commercial Finance's rates of 7.0–13.0% APR are within the mid-market range, and a broker search will confirm whether they offer the best terms for your specific deal.
| Finance Amount | Rate (APR) | Term | Indicative Monthly Payment |
|---|---|---|---|
| £15,000 | 7.0–13.0% | 3 yrs | £463 – £505 |
| £50,000 | 7.0–13.0% | 3 yrs | £1,544 – £1,685 |
| £200,000 | 7.0–13.0% | 3 yrs | £6,175 – £6,739 |
| £600,000 | 7.0–13.0% | 3 yrs | £18,526 – £20,216 |
Shawbrook Automation Finance Rates
No single lender is the best option for every business. Shawbrook's rates of 6.5–11.0% APR are competitive for established businesses but a whole-of-market search will confirm whether they offer the best terms for your specific deal.
| Finance Amount | Rate (APR) | Term | Indicative Monthly Payment |
|---|---|---|---|
| £15,000 | 6.5–11.0% | 4 yrs | £356 – £388 |
| £50,000 | 6.5–11.0% | 4 yrs | £1,186 – £1,292 |
| £200,000 | 6.5–11.0% | 4 yrs | £4,743 – £5,169 |
| £600,000 | 6.5–11.0% | 4 yrs | £14,229 – £15,507 |
United Trust Bank Robotics Finance Rates
No single lender is the best option for every business. United Trust Bank's rates of 7.5–12.5% APR are within the mid-market range, and a broker search will confirm whether they offer the best terms for your specific deal.
| Finance Amount | Rate (APR) | Term | Indicative Monthly Payment |
|---|---|---|---|
| £15,000 | 7.5–12.5% | 4 yrs | £363 – £399 |
| £50,000 | 7.5–12.5% | 4 yrs | £1,209 – £1,329 |
| £200,000 | 7.5–12.5% | 4 yrs | £4,836 – £5,316 |
| £600,000 | 7.5–12.5% | 4 yrs | £14,507 – £15,948 |
ABB Financial Services vs Independent Broker for Industrial Robot Finance - Which is Better?
ABB is a global leader in industrial automation and robotics. Their financial services arm provides funding for ABB equipment purchases, presented at point of sale. This guide compares ABB Financial Services terms to independent broker alternatives for UK businesses investing in ABB industrial robots and automation systems.
| Feature | ABB Financial Services | Independent Broker (Doulton Bridging Finance) |
|---|---|---|
| Interest rate | 6.5–10.0% est. | 5.0–10.5% (full panel) |
| Deposit | 10–20% typical | 0–20% (lender dependent) |
| Term | 3–5 years typical | 1–7 years |
| Assets covered | ABB equipment only | Any manufacturer |
| Decision speed | 3–7 days | 24h–10 days |
| Independent advice | No | Yes - FCA regulated |
| Market comparison | None provided | Full panel search |
| Flexibility on credit | Moderate | High (multiple lenders) |
FANUC Finance vs Independent Broker for Robot Finance - Which is Better?
FANUC is one of the world's leading industrial robot manufacturers. Their captive finance arm - FANUC Finance - offers point-of-sale funding for FANUC robot systems. As a UK manufacturer investing in FANUC equipment, you'll likely be offered finance at the point of purchase. This guide compares FANUC Finance terms to what an independent broker like Doulton Bridging Finance can source from the full UK lender panel.
| Feature | FANUC Finance | Independent Broker (Doulton Bridging Finance) |
|---|---|---|
| Interest rate | 6.5–9.5% est. | 5.0–10.5% (full panel) |
| Deposit | 10–20% typical | 0–20% (lender dependent) |
| Term | 3–5 years typical | 1–7 years |
| Assets covered | FANUC equipment only | Any manufacturer |
| Decision speed | 3–7 days | 24h–10 days |
| Independent advice | No | Yes - FCA regulated |
| Market comparison | None provided | Full panel search |
| Flexibility on credit | Moderate | High (multiple lenders) |
Universal Robots Finance vs Independent Broker for Cobot Finance - Which is Better?
Universal Robots (UR) is the world's best-selling cobot manufacturer. Their finance offering is presented through distributors at point of sale. This guide compares Universal Robots Finance to independent broker alternatives for UK businesses investing in UR cobots including the UR10, UR16 and UR20.
| Feature | Universal Robots Finance | Independent Broker (Doulton Bridging Finance) |
|---|---|---|
| Interest rate | 7.0–10.5% est. | 5.0–13.0% (full panel, varies by profile) |
| Deposit | 10% typical | 0–20% (lender dependent) |
| Term | 3–5 years typical | 1–7 years |
| Assets covered | UR cobots only | Any manufacturer / any cobot brand |
| Decision speed | 3–5 days | 24h–10 days |
| Independent advice | No | Yes - FCA regulated |
| Market comparison | None provided | Full panel search |
| Flexibility on credit | Moderate | High (multiple lenders) |