Lendus.

Brewery Equipment Finance

Spread the cost of brewery equipment from £10,000 to £500,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£10k – £500k

Approval Speed

24–48 hours

Same-day for < £75k

Rates From

From 4.8% APR

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Finance options

Hire Purchase (HP)

Rate
From 5.2% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Breweries wanting to own equipment outright

Finance Lease

Rate
From 4.8% APR
Term
12–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate
From 5.5% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Scale brewing capacity without large capital outlay.

Representative example

Borrow £80,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£1,665. Total amount payable: ~£79,920. Rates depend on your circumstances.

Popular models

Model Price Range Type
Ss Brewtech 10 BBL Brewhouse £40,000 – £70,000 10 BBL System
BrauKon 20 HL Brewhouse £80,000 – £150,000 20 HL System
Cask Marque Cellar Cooling £8,000 – £20,000 Cellar System
CFT Group Canning Line £60,000 – £120,000 Canning Line

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Tax benefits

Brewery equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one — up to £1,000,000. HP allows capital allowances. Lease payments are fully deductible.

Market context

The UK has over 2,400 breweries, more per capita than any other country. The craft beer market is worth £1.2bn. Average brewery start-up equipment investment is £60,000–£120,000. Small Brewer Relief makes the first 5,000 HL duty-free.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Our eligibility check uses a soft search only — no impact on your credit score.

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Frequently asked questions

Can I finance a full brewery set-up?
Yes. Most lenders allow you to bundle brewhouse, fermenters, bright tanks, and packaging into a single finance agreement.
What deposit do I need?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit.
Can I finance used brewing equipment?
Yes. Most lenders finance used equipment up to 8 years old. Stainless steel brewing vessels retain value well. Independent inspection is typically required.
Can new breweries get finance?
Yes, but options are more limited under 2 years trading. You'll typically need a personal guarantee, a business plan, and ideally pre-orders or distribution agreements.

Guides and resources

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