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Bright Beer Tank Finance

Spread the cost of bright beer tanks from £5,000 to £90,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a bright beer tank?

Yes, bright beer tanks 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 £5,000 to £90,000, and most deals are written over 12–72 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

£5k – £90k

Approval Speed

24–48 hours

Same-day for < £25k

Rates From

4.9% APR

What would a bright beer tank cost per month?

£20,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical bright beer tank price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.3% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Breweries wanting to own the tank outright

Finance Lease

Rate
From 4.9% APR
Term
12–72 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
Add packaging-ready capacity without a large outlay

Representative example

On a purchase price of £20,000: a 10% deposit of £2,000, then 48 monthly payments of £422 at 5.9% APR representative (fixed). Total amount payable £22,256, 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
10HL Bright Tank £6,000 – £11,000 Serving Tank
20HL Bright Tank £11,000 – £18,000 Serving Tank
50HL Bright Tank £20,000 – £38,000 Production Tank
100HL Bright Tank £38,000 – £70,000 Production Tank

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Tax benefits

A bright beer tank 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 bright beer tank sits at the end of the process, holding finished beer at the right carbonation and clarity ready for kegging, canning or bottling, so demand for these tanks tracks a brewery’s move into packaged formats rather than its brewing volume alone. A brewery that has sold mostly cask beer and is adding kegs or cans for the first time typically needs bright tank capacity before it needs more fermenters, since the bottleneck shifts to the packaging stage. As with other stainless vessels, bright tanks from established manufacturers hold their value, so a reasonable used market exists and refinancing existing tanks to fund a canning or bottling line is a common next step once the packaging side of the business grows.

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

Do I need a bright tank if I only sell cask beer?
Not necessarily. Cask-conditioned beer carbonates naturally in the cask, so a cask-only brewery can operate without a dedicated bright tank. Bright tanks become important once you start kegging, canning or bottling, because those formats need controlled carbonation and a clear beer before packaging. Many breweries that start cask-only add their first bright tank at the same time as their first keg or canning line, and finance both together.
Can carbonation equipment be financed with the bright tank?
Often yes, if you are buying them from the same supplier at the same time; a carbonation stone or inline carbonation unit is a low-cost item next to the tank itself and lenders will usually fold it into the same facility. If you already own the tank and are adding carbonation equipment later, it can still be financed, though as a smaller standalone item it may be more cost-effective to include it in a wider packaging line deal than to finance it alone.
How is a bright tank different to a serving tank at a taproom?
They are typically the same type of vessel used two different ways. A bright tank in the brewhouse holds beer ready for packaging or dispense, while a serving tank connected directly to a taproom bar serves beer straight from the tank without kegging it first. Some breweries use one tank for both purposes. Lenders assess them identically, as a stainless pressure vessel, regardless of which side of the wall it sits on.
Can I finance a used bright beer tank?
Yes. Bright tanks are simple stainless pressure vessels, so used units up to around 10 to 15 years old from recognised manufacturers are usually financeable subject to an independent inspection. Because they hold finished beer rather than fermenting it, there is generally less wear on fittings than a fermenter sees over the same period, which some lenders take into account when assessing a used tank.
What deposit is typical for a bright beer tank?
Hire purchase typically asks for a 10 to 20% deposit, similar to other brewing vessels. Finance lease and operating lease usually require no deposit. Because bright tanks tend to be a lower-value purchase than a fermenter or brewhouse, breweries adding one or two to an existing, already-financed cellar sometimes find lenders more flexible on deposit than for a first, larger facility.

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