Spread the cost of chocolate tempering machines from £6,000 to £45,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, chocolate tempering machines 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 £6,000 to £45,000, and most deals are written over 24–60 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
£6k – £45k
Approval Speed
24–48 hours
Same-day for < £20k
Rates From
6.0% APR APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical chocolate tempering machine price. Indicative only, not a quote.
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Check EligibilityOn a purchase price of £16,000: a 10% deposit of £1,600, then 48 monthly payments of £338 at 5.9% APR representative (fixed). Total amount payable £17,824, 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 |
|---|---|---|
| Selmi One, 12kg tank | £7,500 – £9,500 | Tabletop Tempering Machine |
| Selmi Legend, 24kg tank | £10,500 – £13,500 | Continuous Tempering Machine |
| Continuous tempering machine, 50kg/hr | £18,000 – £28,000 | Production Tempering Machine |
| Continuous tempering machine, 150kg/hr | £30,000 – £45,000 | High-Volume Tempering Machine |
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Check EligibilityThis equipment qualifies as plant and machinery for Annual Investment Allowance (AIA) and full expensing, so the cost can be deducted from taxable profits in the year of purchase for a hire purchase agreement. Finance and operating leases are generally treated as an operating expense, with the payments deducted from profits as they fall due rather than claimed as a capital allowance.
Chocolate tempering machines are bought by chocolatiers, patisseries and confectionery manufacturers, usually when hand-tempering on a marble slab can no longer keep pace with demand, or to move from a small tabletop unit to a continuous machine that can feed an enrobing or moulding line. They are financed because a reliable continuous tempering machine represents a significant jump in cost from a tabletop unit, and the equipment underpins product quality and consistency for the whole business. Chocolate residue must be fully cleaned from the tank and screw between batches, which limits the used market to machines that can be properly stripped down, and the established Italian manufacturers hold value well as a result.
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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