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Brewhouse Finance

Spread the cost of a new or used brewhouse from £15,000 to £600,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a brewhouse?

Yes, brewhouses are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £15,000 to £600,000, and most deals are written over 12–84 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£15k – £600k

Approval Speed

24–48 hours

Same-day for < £75k

Rates From

4.9% APR

What would a brewhouse cost per month?

£90,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical brewhouse price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.3% APR
Term
12–84 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Breweries wanting to own the brewhouse outright

Finance Lease

Rate
From 4.9% APR
Term
12–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim the lease payments against profit

Operating Lease

Rate
From 5.6% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Move up a capacity tier without tying up capital in the vessels

Representative example

On a purchase price of £90,000: a 10% deposit of £9,000, then 48 monthly payments of £1,899 at 5.9% APR representative (fixed). Total amount payable £100,152, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
5 Barrel Brewhouse £25,000 – £45,000 Pilot / Nano System
10 Barrel Brewhouse £45,000 – £80,000 Small Craft System
20HL Brewhouse £90,000 – £160,000 Mid-Scale System
50HL Brewhouse £220,000 – £450,000 Regional Production System

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Tax benefits

A brewhouse qualifies for capital allowances, so most of the purchase cost can be set against taxable profits well within the Annual Investment Allowance most brewing and distilling businesses have available in a given year. Hire purchase lets you claim allowances as the owner from day one. Finance lease and operating lease payments are typically deductible in full as a trading expense, which suits businesses that would rather smooth the deduction over the term than take it all upfront. Speak to your accountant about which structure suits your current tax position.

Market context

A brewhouse is bought by two different buyers: a start-up fitting out a first site, and an established brewery moving up a capacity tier as demand outgrows the existing brew length. At start-up it is usually the single largest line item in the business plan, so founders finance it to keep cash free for stock, staff and the months before revenue builds. Established breweries more often refinance the brewhouse and existing tanks they already own to release capital for the next vessel or a bigger mash tun and kettle, rather than paying for expansion in cash. Stainless brewhouses from established manufacturers hold their value well, which supports a genuine used market and makes refinancing a paid-off brewhouse a realistic way to fund the next stage of growth.

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. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Can I finance a full brewhouse including mash tun and kettle?
Yes. A brewhouse is normally sold and financed as a single vessel set, typically a mash tun, kettle or combined mash/lauter and boil vessel, whirlpool and associated pumps and pipework. Most lenders treat the whole brewhouse as one asset for finance purposes rather than pricing each vessel separately, which keeps the paperwork to a single agreement. If you are adding a brewhouse alongside fermenters, a wort chiller or a glycol system, ask whether the lender will bundle everything into one facility, since splitting the deal across several small agreements usually costs more in arrangement fees over the term.
Can I refinance a brewhouse I already own to fund expansion?
Yes, and it is common in brewing. If your brewhouse is paid off or has significant equity, a lender can advance funds against it as security, releasing cash to buy additional fermenters, a bigger kettle or packaging equipment without a fresh capital raise. The brewhouse needs an independent valuation, and the amount released depends on its age, condition and the manufacturer, since stainless vessels from well-known brewhouse builders retain value better than lesser-known or heavily customised systems. This route suits breweries that bought conservatively at start-up and are now ready to grow.
What deposit do I need for a new brewhouse?
For hire purchase, most lenders ask for a 10 to 20% deposit, with the exact figure depending on trading history and the brewhouse manufacturer. Finance lease and operating lease agreements often need no deposit at all, since the lender retains an interest in the asset throughout the term. A larger deposit typically brings the monthly payment down and can unlock a better rate, which matters on a brewhouse given how large the total facility usually is compared with other brewery equipment.
Can a brewery under two years old get brewhouse finance?
Yes, though options are more limited. Lenders will usually ask for a personal guarantee, a clear business plan and ideally some evidence of demand, such as pre-orders, a taproom lease or a distribution conversation already underway. Because the brewhouse is the core production asset, some lenders will lend against it more readily than against working capital, since it has resale value if things do not work out. Expect a slightly higher rate and a larger deposit requirement than an established brewery would be offered.
Is a used brewhouse cheaper to finance than new?
Used brewhouses cost less upfront and can still be financed, usually up to around 10 years old for well-known manufacturers, subject to an independent inspection or valuation. Rates on used equipment tend to run slightly higher than on new, and the lender will want more detail on maintenance history and any past repairs, particularly to welds and heating elements. For a start-up watching cash carefully, a used brewhouse from an established builder is often the more realistic way into full production scale.

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