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Commercial Fryer Finance

Spread the cost of commercial fryer from £900 to £12,000+ with flexible finance options. HP, lease, or refinance; compare rates from 40+ lenders.

Can you finance a commercial fryer?

Yes, commercial fryers 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 £900 to £12,000, 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

£900 – £12k

Approval Speed

24–48 hours

Same-day for < £25k

Rates From

6.3% APR

What would a commercial fryer cost per month?

£3,200
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical commercial fryer 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 Fryer 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 fryer regularly. Off balance sheet.

Representative example

On a purchase price of £3,200: a 10% deposit of £320, then 48 monthly payments of £68 at 5.9% APR representative (fixed). Total amount payable £3,584, 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
Lincat DF66 Countertop Fryer £1,350 – £1,600 Single Tank Countertop Fryer
700mm twin tank freestanding fryer £2,500 – £4,500 Twin Tank Fryer
High-volume filtration fryer £4,500 – £9,000 Large-Capacity Fryer

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Tax benefits

A commercial fryer itself qualifies for Annual Investment Allowance (AIA) up to £1,000,000 as plant and machinery. Installation, ductwork, and connection costs that are integral to the equipment can usually be included in the same claim, but check with your accountant where work also alters the fabric of the building, since that portion may be treated differently.

Market context

Fish and chip shops, pubs, and quick-service kitchens are the core buyers, and most are replacing a tank that has failed or fallen behind on oil-filtration efficiency rather than opening a brand new kitchen around it. Fryers are simple, robust machines with a long working life, so they finance easily and hold reasonable resale value. Because gas connection and extraction usually cost more than the fryer itself, operators tend to finance the fryer as one line and budget the connection work separately.

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

Will a lender finance the gas connection and extraction alongside the fryer?
Not automatically. The fryer is a standard asset that most lenders finance without hesitation, but connecting it to a gas supply and running extraction to meet ventilation standards is installation and building work. Some lenders will include a modest, itemised installation cost within an HP agreement if the supplier quotes it as one job. If extraction is the bigger cost, expect to fund that separately, since it is often the largest single line in a fryer replacement project.
Can I finance a gas fryer if I'm switching from electric?
Yes, the finance itself does not care whether the fryer is gas or electric. What matters to the lender is the total cost and your trading history. If switching fuel type means a new gas supply has to be run in, factor that into your budget separately, because it is common for the supply upgrade to cost more than expected once a qualified gas engineer has surveyed the kitchen.
What deposit is typical for a fryer under £5,000?
Most lenders ask for 10–20% deposit on hire purchase for equipment in this price range. Finance leases are usually available with no deposit. Because the ticket size is modest, approval for an established catering business is often same-day, though a start-up with under 12 months' trading may be asked for a personal guarantee instead of, or as well as, a deposit.
Is a used commercial fryer easy to finance?
Yes, provided it comes from a reputable dealer with evidence of servicing, since fryers see heavy daily use and oil residue can accelerate wear if not maintained properly. Lenders typically finance used fryers up to around 5 years old in good condition. A recent deep clean and oil filtration service, confirmed in writing by the seller, helps the credit decision along and can support a better rate than an undocumented used unit would attract.

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