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Commercial Dishwasher Finance

Spread the cost of commercial dishwasher from £1,300 to £20,000+ with flexible finance options. HP, lease, or refinance; compare rates from 40+ lenders.

Can you finance a commercial dishwasher?

Yes, commercial dishwashers 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 £1,300 to £20,000, 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.

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Typical Cost

£1k – £20k

Approval Speed

24–48 hours

Same-day for < £25k

Rates From

6.3% APR

What would a commercial dishwasher cost per month?

£6,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 6.8% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Commercial Dishwasher buyers wanting to own it outright

Finance Lease

Rate
From 6.3% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient; claim 100% of payments against profit

Operating Lease

Rate
From 7.0% APR
Term
24–60 months
Deposit
1–3 rentals in advance
Ownership
Return at end
Best for
Upgrade commercial dishwasher regularly. Off balance sheet.

Representative example

On a purchase price of £6,000: a 10% deposit of £600, then 48 monthly payments of £127 at 5.9% APR representative (fixed). Total amount payable £6,696, 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
Hobart Front Load Dishwasher UXS-10A £3,000 – £3,500 Undercounter Dishwasher
Winterhalter UC-M Undercounter £4,000 – £4,700 Undercounter Dishwasher
Meiko DV 200.2 Double Dishwasher £5,000 – £5,500 Double Dishwasher
Pass-through hood dishwasher £7,000 – £16,000 Pass-Through Dishwasher

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Tax benefits

Commercial dishwasher equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP allows capital allowances. Lease payments are fully deductible against profit.

Market context

Restaurants, pubs, hotels, and contract caterers buy commercial dishwashers to replace a machine that has become unreliable or too slow for peak service, and larger sites upgrade from undercounter to pass-through as cover numbers grow. The main German and European manufacturers build machines designed for daily commercial use over many years, supporting an active secondhand and service-exchange market, and most kitchens finance rather than buy outright because a failed dishwasher stops service immediately and operators would rather replace it without a large one-off hit to cash flow.

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 pass-through dishwasher that needs a water softener and drainage work?
The dishwasher itself finances in the normal way. A water softener supplied as part of the same order is often included, since it is equipment rather than building work, but plumbing, drainage alterations, and any electrical upgrade needed to support a larger machine are usually treated as installation costs outside the finance agreement. Ask your supplier to itemise the quote so the lender can see clearly what is equipment and what is fitting.
Is a used or reconditioned commercial dishwasher easy to finance?
Yes, reconditioned units from specialist dealers are commonly financed, typically up to around 5 years old with a service record. Because dishwashers run constantly during service, lenders will usually want confirmation of servicing history rather than just an age limit, and a warranty from the reconditioning dealer makes approval faster. Ask the dealer for the machine's service log before applying, since a clear history speeds up the credit decision and can improve the rate a lender is willing to offer on an older unit.
How quickly can I replace a broken dishwasher using finance?
Most applications for equipment under £25,000 are approved within 24–48 hours, and same-day decisions are common for established businesses. If a dishwasher has failed and service is at risk, tell the lender or broker this directly, since some can expedite the paperwork once the equipment is confirmed available from the supplier. Keep the supplier's written confirmation that the replacement machine is in stock and ready to deliver, since lenders often ask for this before releasing funds on an urgent, service-critical replacement.
Can a start-up restaurant finance its first dishwasher?
Yes, though a business under 12–24 months old will usually be asked for a personal guarantee and a larger deposit, in line with how hospitality start-ups are generally assessed given how high churn the sector is. Because commercial dishwashers hold reasonable resale value and the equipment itself is well understood by lenders, this is usually one of the more straightforward items for a new kitchen to finance, provided the wider application, including a signed lease, is in order.

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