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Digital Press Finance

Spread the cost of a digital press from £12,000 to £450,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a digital press?

Yes, digital presss 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 £12,000 to £450,000, and most deals are written over 12–84 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

£12k – £450k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a digital press cost per month?

£85,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical digital press price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
12–84 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Print businesses wanting to own the press outright

Finance Lease

Rate
From 4.5% APR
Term
12–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.2% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Always have the latest technology. Off balance sheet.

Representative example

On a purchase price of £85,000: a 10% deposit of £8,500, then 48 monthly payments of £1,793 at 5.9% APR representative (fixed). Total amount payable £94,564, 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
Konica Minolta AccurioPress C4065 £12,000–£20,000 A3 Production Colour
Konica Minolta AccurioPress C14000 £85,000–£120,000 High-Volume Production Colour
Sheetfed digital press, HP Indigo class £250,000–£450,000 Premium Sheetfed Digital
A3+ production digital press, Ricoh Pro class £45,000–£90,000 Mid-Volume Production Colour

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Tax benefits

A digital press qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase, up to £1,000,000. Hire purchase agreements let you claim capital allowances on the machine. Lease payments are generally deductible in full against profits as they fall due.

Market context

Digital presses are bought by commercial printers, in-house corporate print rooms, mailing houses and photo-book producers who need to run short runs, personalised jobs or variable data without the make-ready time a litho press needs. Many manufacturers sell these machines on a click-charge or cost-per-copy contract alongside the hardware, and that running-cost agreement is a separate commitment from the finance on the press itself, worth keeping distinct when comparing offers. Because utilisation drives the economics, buyers generally size the engine to the volume and job mix they already have on the books rather than future ambitions. Replacement is usually triggered by colour consistency, substrate range or speed falling behind what clients now expect rather than mechanical failure, and a functioning used market exists for mid-volume machines from the established manufacturers, though residual values vary a good deal by brand and duty cycle.

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

Is the manufacturer's click-charge contract part of the finance agreement?
No, and it's worth understanding the difference before you sign anything. The finance agreement, whether hire purchase, finance lease or operating lease, covers the capital cost of the press itself and is arranged through a lender. The click-charge or cost-per-copy contract is a separate agreement with the manufacturer covering consumables, service and maintenance, billed per page or per click. Some manufacturers bundle both into one monthly figure for convenience, but they remain two different obligations, and it's worth checking the cancellation and end-of-term conditions on each one separately.
Can I finance a used digital press?
Yes, though digital engines age differently to mechanical presses because click count matters as much as calendar age. Most lenders will finance used machines up to five or six years old, and will usually want to see the meter reading and service history alongside a condition report. Because a heavily used engine may be approaching a costly component change, expect closer scrutiny than you would get financing a used offset press, and possibly a shorter term or larger deposit to reflect that.
What deposit do I need for a digital press?
For hire purchase, most lenders ask for a 10 to 20% deposit. Finance leases and operating leases commonly need no deposit at all, which suits print businesses that would rather keep working capital free for paper, ink and toner. A larger deposit reduces your monthly payment and can help secure a better rate, particularly on higher-value production presses. Where a press is being bought alongside a click-charge contract, some lenders will also review the combined commitment before confirming the deposit level.
How quickly can I get digital press finance in place?
Straightforward applications under £100,000 are often approved same day, with funds released within 24 to 48 hours once the agreement is signed. Larger production presses, especially where a click-charge contract or trade-in is being negotiated alongside the finance, typically take five to seven working days because the lender wants sight of the full package before committing. Having the click-charge terms agreed with the manufacturer before you apply also helps avoid delays later in the process.

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