Lendus.

Conditioning Tank Finance

Spread the cost of conditioning tanks from £6,000 to £100,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a conditioning tank?

Yes, conditioning tanks 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 £100,000, and most deals are written over 12–72 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

£6k – £100k

Approval Speed

24–48 hours

Same-day for < £30k

Rates From

4.9% APR

What would a conditioning tank cost per month?

£25,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical conditioning tank price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.3% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Breweries wanting to own the tank outright

Finance Lease

Rate
From 4.9% APR
Term
12–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim the lease payments against profit

Operating Lease

Rate
From 5.6% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Free up fermenters without buying a full new tank estate

Representative example

On a purchase price of £25,000: a 10% deposit of £2,500, then 48 monthly payments of £527 at 5.9% APR representative (fixed). Total amount payable £27,796, 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
10HL Conditioning Tank £7,000 – £13,000 Horizontal / Vertical Tank
20HL Conditioning Tank £13,000 – £22,000 Vertical Tank
50HL Conditioning Tank £25,000 – £45,000 Production Tank
100HL Conditioning Tank £45,000 – £85,000 Production Tank

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Tax benefits

A conditioning tank qualifies for capital allowances, so most of the purchase cost can be set against taxable profits well within the Annual Investment Allowance most brewing and distilling businesses have available in a given year. Hire purchase lets you claim allowances as the owner from day one. Finance lease and operating lease payments are typically deductible in full as a trading expense, which suits businesses that would rather smooth the deduction over the term than take it all upfront. Speak to your accountant about which structure suits your current tax position.

Market context

Conditioning tanks are bought by breweries whose beer needs time to mature, settle or carbonate after primary fermentation, most often lager brewers and anyone running longer cask-conditioned styles, where tying up a fermenter for weeks would stall the next brew. The buying decision is usually about freeing fermentation capacity rather than adding brewing volume: a brewery that keeps running out of tank space often finds a bank of conditioning tanks solves the bottleneck more cheaply than buying more fermenters. Because these are the same stainless pressure vessels as fermenters, dedicated conditioning tanks hold their value in the same way and are just as viable to buy used or use as security when refinancing to add capacity elsewhere.

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

Why finance a separate conditioning tank instead of just adding fermenters?
A conditioning tank is usually cheaper than a fermenter of the same size, since it does not need the same cooling jacket specification or pressure rating in every case, and it frees your fermenters to turn over faster. If your bottleneck is fermenter availability rather than total brewing volume, adding conditioning capacity is often the more cost-effective fix, and lenders assess it the same straightforward way as any other stainless vessel: on capacity, manufacturer and condition.
Can I finance conditioning tanks alongside a fermenter purchase?
Yes. Most lenders are happy to combine a fermenter and one or more conditioning tanks into a single facility if you are buying them at the same time, which usually works out cheaper than two separate agreements once arrangement fees are taken into account. If you are buying from different suppliers or at different times, they can still be financed together as long as you disclose both purchases when you apply.
What deposit is typical for a conditioning tank?
Hire purchase typically asks for a 10 to 20% deposit, in line with other stainless brewing vessels. Finance lease and operating lease agreements commonly need no deposit. Because conditioning tanks are usually a lower-value item than a fermenter or brewhouse, some lenders will offer more flexibility on deposit for an established brewery adding a tank or two to an existing, already-financed cellar.
Can I finance a used conditioning tank?
Yes, and used conditioning tanks are one of the more straightforward secondhand brewery purchases to finance, since they are simple pressure vessels without the complexity of, for example, a brewhouse’s pumps and controls. Most lenders will finance used tanks up to 10 to 15 years old from established manufacturers, usually subject to an independent inspection to confirm the vessel and cooling jacket are sound.
Do lager brewers need more conditioning capacity than ale brewers?
Generally yes, because lager typically needs a longer cold conditioning period than ale before it is ready to package, which ties up tank space for longer per batch. A brewery moving into lager production, or expanding an existing lager range, often finds it needs proportionally more conditioning capacity than an equivalent all-ale brewhouse of the same size, which is a common reason for financing additional tanks specifically for that purpose.

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