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DTG Printer Finance

Spread the cost of a DTG printer from £5,000 to £70,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a dtg printer?

Yes, dtg printers 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 £60,000, 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.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£5k – £60k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a dtg printer cost per month?

£16,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical dtg printer 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
Garment decorators wanting to own the machine 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 £16,000: a 10% deposit of £1,600, then 48 monthly payments of £338 at 5.9% APR representative (fixed). Total amount payable £17,824, 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
Entry-level single-pallet DTG printer £5,000–£10,000 Entry Single-Pallet
Production single-pallet DTG printer with white ink £12,000–£22,000 Production Single-Pallet
Multi-pallet DTG printer for high-volume decorators £25,000–£45,000 Multi-Pallet Production
Industrial DTG printer with integrated pretreatment £40,000–£70,000 Industrial with Pretreatment

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Tax benefits

A DTG printer 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

DTG (direct-to-garment) printers are bought by print-on-demand businesses, garment decorators and merchandise companies producing full-colour, photographic-quality prints on individual or small-batch garments where screen printing's setup cost doesn't make sense. Because throughput is largely fixed by the number of pallets and the pretreatment stage, buyers typically size the machine to their order pattern, single-pallet for on-demand or personalised work, multi-pallet for volume decorators, rather than buying more capacity than the order book supports. Ink, especially white ink for dark garments, and pretreatment fluid are ongoing consumable costs kept separate from the machine finance and can be a meaningful part of per-garment cost. Replacement is usually driven by wanting more pallets, faster curing or better wash durability rather than the printer failing, since print heads are the main wear component and are commonly serviced or replaced rather than the whole machine. A modest used market exists for established single-pallet models, though multi-pallet industrial systems are more often bought new given how application-specific their configuration tends to be.

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 DTG printer?
Yes, for the more common single-pallet models. Most lenders will finance used DTG printers up to 5 to 7 years old, with a recent print-head service record and cleaning history requested, since head condition matters more to value than cosmetic wear. Multi-pallet industrial systems have a thinner used market, so financing new is more typical at that end. Ask to see recent print samples as well as the paperwork, since output quality often reveals wear a service log alone will not.
What deposit do I need for a DTG printer?
Hire purchase usually asks for 10 to 20% deposit. Entry-level single-pallet printers under £10,000 sometimes qualify for reduced-deposit finance given the smaller ticket size, so it's worth checking what's available for your specific budget before assuming the standard range applies. A larger deposit brings the rate down and reduces the monthly payment, so it's worth putting down more than the minimum if cash flow allows. Your broker can usually confirm the exact figure a specific lender will accept before you commit to an application.
Can pretreatment machines and heat presses be financed together?
Yes. A DTG setup needs a pretreatment machine and curing or heat press alongside the printer to produce a wash-durable print, and most lenders will finance the complete line on one agreement provided everything appears on the supplier's invoice, rather than financing the printer alone and the rest separately. Listing the full line on one quote also tends to give a cleaner application, since the lender can see the complete workflow rather than piecing together why a printer alone would need financing without the pretreatment step that makes its output wash-durable.
How does ink cost factor into the finance decision?
It doesn't feature in the finance agreement itself, which covers the machine's capital cost, but it's worth budgeting for separately since DTG ink, particularly white ink used on dark garments, is one of the largest ongoing costs in the process. Comparing ink cost per print across models is worth doing before committing to a specific printer. Ask your supplier for a real per-print cost figure rather than relying on the headline ink price alone.
How quickly can I get DTG printer finance?
Most DTG printers are approved within 24 to 48 hours given their value typically sits well under £100,000. Same-day decisions are common for single-pallet machines under £20,000, with industrial multi-pallet systems occasionally taking a little longer for the lender to review the full specification. Having your last two years' accounts, or management accounts if you're newer to trading, ready before you apply is the single biggest thing you can do to keep the process moving at that pace, since most of the time lost is waiting on paperwork rather than the lender's decision itself.

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