Lendus.

Coffee Machine Finance

Spread the cost of commercial coffee machines from £2,000 to £30,000+ 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

£2k – £30k

Approval Speed

24 hours

Same-day for < £15k

Rates From

From 6.5% APR

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Finance options

Hire Purchase (HP)

Rate
From 6.9% APR
Term
12–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Cafes wanting to own the machine outright

Finance Lease

Rate
From 6.5% APR
Term
12–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate
From 7.2% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Upgrade to latest machines regularly. Off balance sheet.

Representative example

Borrow £10,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£208. Total amount payable: ~£9,984. Rates depend on your circumstances.

Popular models

Model Price Range Type
La Marzocco Linea PB £10,000 – £16,000 2-Group Espresso
Victoria Arduino Eagle One £8,000 – £13,000 2-Group Espresso
Nuova Simonelli Aurelia Wave £7,000 – £12,000 2-Group Espresso
Franke A600 £12,000 – £20,000 Bean-to-Cup Auto

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Tax benefits

Commercial coffee machines qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one. HP agreements allow capital allowances. Lease payments are fully deductible from profits.

Market context

The UK coffee shop market is worth £4.4bn with over 25,000 outlets. The average UK coffee shop serves 200+ cups per day. Speciality coffee shops are growing at 10% annually in the UK.

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 used coffee machine?
Yes. Most lenders finance used machines up to 5 years old. Reconditioned machines from authorised dealers are preferred. Rates are typically 1–2% higher than new.
What deposit do I need?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit. Larger deposits reduce monthly payments.
How quickly can I get coffee machine finance?
Most applications are approved within 24 hours. For deals under £15k, same-day approval is common.
Can I include a grinder and accessories?
Yes. Grinders, water filtration, knock boxes, and other accessories can be included in the finance agreement if they're on the same supplier invoice.

Guides and resources

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