Heat Pump Finance for Installers — Close More Installs
Heat pumps deliver significant long-term savings, but the upfront cost is a barrier for many homeowners. Rubix Finance gives UK heat pump installers an FCA-compliant, multi-lender finance platform so customers can commit today — and you get paid on installation.
Heat Pump Installers Losing Jobs on Upfront Cost
An air source heat pump installation typically costs £8,000–£15,000 before any grant support. Even with the Boiler Upgrade Scheme (BUS) grant, many customers still face a significant shortfall — and that's where deals are lost.
BUS grant covers part of the cost but customers still struggle with the remainder
Competitors offering heat pump finance are winning installs you quoted
High upfront cost makes customers delay decisions or choose a cheaper boiler instead
No easy way to present a monthly payment alongside a grant-adjusted quote
Specialist heat pump lenders are hard to access without a broker relationship
Finance That Works as Hard as You Do
Rubix Finance gives you a professional, FCA-compliant finance platform to send to your customers — turning hesitation into a signed contract.
Finance application links sent directly to customers for completion at home
Lender panel includes specialist green heating finance products
Works alongside BUS grants — finance the residual cost after grant deduction
Soft eligibility checks before a hard credit search
No cost to your business — Rubix earns from lenders, not from you
FCA-compliant process built for renewable energy professionals
The Installer Advantage
Everything designed to help you sell more, stress less, and grow your installation business.
Higher Conversion on Big Tickets
Heat pump installs are high-value jobs. Breaking a £10,000+ project into affordable monthly payments removes the single biggest objection your customers raise.
Fast Eligibility Decisions
Many lenders on our panel return soft eligibility decisions in under 60 seconds — so customers know if finance is available before they've even left the table.
Multi-Lender Panel
One platform, multiple lenders. Customers can explore heat pump finance options from a panel of specialist and mainstream lenders without leaving a hard footprint.
Fully FCA Compliant
Rubix Finance is FCA-authorised. We manage compliance on your behalf, and can support heat pump installers through Limited Permissions FCA authorisation where needed.
Common Questions
Everything you need to know before getting started.
1Can customers use the Boiler Upgrade Scheme grant alongside heat pump finance?
Yes. The BUS grant reduces the upfront cost of the installation, and customers can use finance to cover the remaining balance. Our platform is designed to work alongside grant-funded projects — customers simply finance the net amount after any grant contribution.
2Does heat pump finance work for both air source and ground source installations?
Yes. Rubix Finance supports finance for air source heat pumps (ASHP), ground source heat pumps (GSHP), and hybrid heat pump systems. Lenders on our panel have products suited to the full range of installation types and costs.
3What loan amounts are available for heat pump finance?
Loan amounts on our panel typically range from £1,000 to £50,000, covering the full spectrum of residential heat pump installations. Exact amounts depend on the lender and the customer's individual credit profile.
4Do I need FCA authorisation to offer heat pump finance?
Not necessarily. Rubix Finance holds FCA authorisation as a credit broker, and many installers operate under our umbrella. Where your business structure requires it, we can support you through a Limited Permissions FCA application.
5Is there a cost to my business for offering heat pump finance?
No. Joining the Rubix Finance installer network is free. We receive commission from lenders on funded applications — there are no fees charged to you or your customers by Rubix Finance.
6How long does it take to get set up as a heat pump finance installer partner?
Most heat pump installers complete digital onboarding and go live within 48 hours of submitting their application. The entire process is online — no paper forms, no lengthy approval wait.
Other Finance Solutions
Rubix Finance supports the full range of green technology installations — not just one.
Solar Panel Finance
Finance solutions for residential and commercial solar PV installations.
Battery Storage Finance
Help customers fund battery storage systems alongside heat pumps or solar.
EV Charger Finance
Finance for home and commercial EV charge point installations.
