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Conveyor Oven Finance

Spread the cost of conveyor ovens from £5,000 to £36,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a conveyor oven?

Yes, conveyor ovens 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 £5,000 to £36,000, and most deals are written over 12–48 months with a deposit of around 10–20%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£5k – £36k

Approval Speed

24 hours

Same-day for < £20k

Rates From

6.0% APR APR

What would a conveyor oven 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 conveyor oven price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.5% APR APR
Term
12–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Restaurants wanting to own the oven outright

Finance Lease

Rate
From 6.0% APR APR
Term
12–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim the full lease payment against profit

Operating Lease

Rate
From 6.8% APR APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Always cook with the latest technology

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
Middleby Marshall PS540, single belt gas £8,000 – £11,000 Single-Belt Conveyor Oven
Middleby Marshall PS638, single belt gas £15,000 – £20,000 High-Output Conveyor Oven
Middleby Marshall PS638E, electric £28,000 – £36,000 Electric Conveyor Oven
Countertop conveyor oven, 26-inch belt £5,000 – £8,000 Countertop Conveyor Oven

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Tax benefits

This equipment qualifies as plant and machinery for Annual Investment Allowance (AIA) and full expensing, so the cost can be deducted from taxable profits in the year of purchase for a hire purchase agreement. Finance and operating leases are generally treated as an operating expense, with the payments deducted from profits as they fall due rather than claimed as a capital allowance.

Market context

Conveyor ovens are bought by pizza restaurants, sandwich chains and high-volume kitchens, typically at fit-out or to replace a deck oven that can't keep pace with order volume during peak service. They are financed because a genuine high-output conveyor oven from an established manufacturer costs considerably more than a standard deck oven, and the equipment directly determines how many covers a kitchen can turn during a rush. Reconditioned units from the major manufacturer, chiefly Middleby Marshall in the UK market, are widely available through specialist dealers and support a solid used market, since belts, burners and heating elements are all routinely replaceable wear parts.

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 used conveyor oven?
Yes, most lenders finance used conveyor ovens up to 8 years old, and reconditioned Middleby Marshall ovens from specialist dealers are widely available with warranty. The belt, burners and heating elements are the main wear items, and a reconditioning certificate covering these components usually secures standard used-equipment terms.
What deposit do I need for a conveyor oven?
Hire purchase typically asks for 10–20% deposit. Finance leases and operating leases are usually available with no deposit. Electric conveyor ovens cost more than comparable gas models, so the deposit and monthly cost reflect the specific model and fuel type.
How quickly can I get conveyor oven finance?
Most applications are approved within 24–48 hours, with same-day decisions common for deals under £20,000. Multi-oven installations, or ovens bought alongside a wider kitchen fit-out, may take a little longer while the lender reviews the full invoice, particularly where gas connection and extraction work are included in the same agreement.
Can gas connection and extraction be included in the finance?
Yes, where gas or electrical connection and extraction work appear on the same supplier invoice as the oven, they can usually be included in the finance agreement. It's worth confirming this with your lender before committing to installation, since not every agreement funds installation as standard.

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