Spread the cost of cheese cutting and portioning equipment from £500 to £40,000+ with flexible finance options. HP, lease, or refinance
Yes, cheese cutting equipments 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 £500 to £40,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£500 – £40k
Approval Speed
24–48 hours
Longer for automated portioning lines
Rates From
7.0% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical cheese cutting equipment price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £8,000: a 10% deposit of £800, then 48 monthly payments of £169 at 5.9% APR representative (fixed). Total amount payable £8,912, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| Manual Wire Cheese Cutter | £150 – £400 | Manual Wire Cutter (specification class) |
| Semi-Automatic Cheese Block Cutter | £2,000 – £8,000 | Semi-Automatic Block Cutter (specification class) |
| Automatic Cheese Portioning and Packing Line | £15,000 – £40,000 | Automatic Portioning Line (specification class) |
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For UK limited companies with 3+ months’ trading and monthly revenue.
Cheese cutting and portioning equipment usually qualifies for Annual Investment Allowance (AIA), letting a business deduct the full cost from taxable profits in the year of purchase, up to £1,000,000. HP agreements allow capital allowances to be claimed by the business making the payments. Lease payments are generally deductible against profits as a business expense rather than qualifying for AIA directly.
Cheese cutting equipment ranges from simple manual wire cutters used on a deli counter to full automatic portioning and packing lines used by cheese producers and wholesalers supplying supermarkets. Finance is generally reserved for the larger end of this range, since a manual cutter is a modest enough purchase to buy outright, while a semi-automatic block cutter or a full portioning line represents a serious capital investment for a growing cheese business. Replacement and upgrading is usually driven by a producer moving from manual or semi-automatic cutting to automated portioning as volume grows and retail customers demand consistent pack weights, rather than existing equipment failing outright. The used market for portioning lines is limited and specialist, and buyers should check whether a used machine can still hold accurate weights and meet legal for trade requirements if it's used to price cheese for sale, since that affects both compliance and what the equipment is genuinely worth.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.