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Commercial Washing Machine Finance

Spread the cost of commercial washing machines from £1,800 to £60,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a commercial washing machine?

Yes, commercial washing 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 £1,800 to £60,000, 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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2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£2k – £60k

Approval Speed

24–48 hours

Same-day for < £20k

Rates From

5.5% APR

What would a commercial washing machine cost per month?

£15,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 6.0% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses wanting to own their washing machines outright

Finance Lease

Rate
From 5.5% 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 6.3% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Suits high-turnover laundrette machines refreshed on a lease cycle. Off balance sheet.

Representative example

On a purchase price of £15,000: a 10% deposit of £1,500, then 48 monthly payments of £316 at 5.9% APR representative (fixed). Total amount payable £16,668, 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
Electrolux Professional myPRO WE170V (9kg) £1,800 – £2,400 Washer-Extractor
Miele Professional PW 6xxx Series (10kg) £4,000 – £7,000 Washer-Extractor
Girbau HS Washer-Extractor (16–25kg) £10,000 – £18,000 High-Spin Washer
Multi-Machine Washing Bank (x6) £15,000 – £30,000 Laundrette Bank

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Tax benefits

Commercial washing machines are moveable plant and machinery and generally qualify for Annual Investment Allowance, letting the cost be deducted from taxable profits in the year of purchase. HP agreements let you claim capital allowances directly; lease payments are deducted as a running cost instead. Plumbing and drainage work needed to install the machines is treated separately, as it becomes part of the building once fitted.

Market context

Commercial washing machines are financed across a wide range of buyers, from a single high-capacity machine for a hotel or care home through to a full bank of machines for a coin-operated laundrette. Capacity and spin speed are the main specification drivers, with a higher spin extraction rate reducing the load on the dryer that follows and cutting overall cycle time, which matters most to businesses running machines close to continuously through the day. Laundrette-style operators buying a bank of matching machines typically finance them as a single order both for consistent servicing and because most coin or app payment systems are set up across a uniform machine range rather than mixed models.

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 single washing machine or only a full bank?
You can finance a single machine. There is no requirement to buy multiple units, though for very low-cost single machines a formal finance agreement may cost more in fees than it saves compared with paying outright. Washing machine finance tends to work best value-wise for machines over roughly £2,000, or when financed alongside a dryer on the same agreement. A specialist broker comparing quotes across multiple lenders can usually confirm which product and rate best fits your specific circumstances within the same working day.
What capacity washing machine do I need to finance?
Capacity is generally driven by expected daily load volume rather than by business type alone. A busy hotel or laundrette typically needs a higher-capacity, higher-spin machine than a salon washing towels between appointments. Suppliers will usually help size the right machine to your throughput, and financing the correctly sized machine from the outset avoids the cost of upgrading an undersized one later.
Can I finance a washing machine and dryer together?
Yes. Most lenders will finance a washer and dryer, or a bank of both, on the same agreement provided they are on one supplier invoice. This is the most common way laundry equipment is financed, since a washer without a matching dryer rarely covers a business's full laundry need on its own. A specialist broker comparing quotes across multiple lenders can usually confirm which product and rate best fits your specific circumstances within the same working day.
Can I finance used commercial washing machines?
Yes, most lenders will finance used machines, typically up to five years old, and refurbished machines from an established commercial laundry supplier. This is a common way to fit out a laundrette or hotel laundry room more cheaply, though the remaining working life of a used machine is worth checking given the intensity of commercial duty cycles. It is worth asking the supplier for the equipment's service history and any remaining warranty before you apply, since this can affect both the rate offered and how quickly the lender is willing to approve the finance.
How quickly can I get commercial washing machine finance?
Most applications are approved within 24 to 48 hours. For orders under £20,000, same-day approval is common. Larger multi-machine laundrette orders may take slightly longer while the lender confirms the full supplier quote. Where a quote mixes new and used commercial washing machine, or covers more than one site, it is sensible to allow a little extra time while the lender reviews the full specification before releasing funds.

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