Espresso Machine Finance

Q: Can I finance a secondhand or refurbished espresso machine?

Yes, refurbished traditional espresso machines from specialist dealers are financed regularly, since the core components on well-built machines last for many years and refurbishment often includes a new boiler seal and group head service. Lenders will usually want to see a warranty from the refurbishing dealer, since that gives confidence the machine will perform for the length of the finance term.

Q: Does the water filtration and plumbing get included in the finance?

The machine itself is financed as equipment. A water filter supplied with it is normally included, but plumbing a water line in and fitting a drain is installation work that most lenders treat separately. If your supplier is also fitting the machine, ask for the equipment and installation costs to be shown separately on the invoice. This keeps the application accurate and avoids any confusion at approval stage.

Q: Is a 3-group machine worth financing over a 2-group for a new café?

That depends on expected volume rather than finance terms, since both sizes finance the same way. The main practical difference for a new business is that a larger machine is a bigger commitment relative to unproven trading, so lenders may ask more questions about expected footfall and menu pricing before approving the top end of the 3-group price range for a start-up.

Q: What deposit is typical for an espresso machine on hire purchase?

Expect 10–15% deposit for an established café, rising for a new business without trading history. Finance leases are usually available with no deposit, which suits new cafés wanting to keep cash for stock and staff during the opening months. Because a traditional espresso machine is a specialist asset, lenders will also look at how central coffee is to the business's menu and pricing before confirming the top end of any quoted rate for a new opening.

Spread the cost of espresso machine from £1,500 to £18,000+ with flexible finance options. HP, lease, or refinance; compare rates from 40+ lenders.

Can you finance a espresso machine?

Yes, espresso 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 £1,500 to £18,000, and most deals are written over 24–60 months with a deposit of around 10–15%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

Typical Cost

£2k – £18k

Approval Speed

24–48 hours

Same-day for < £25k

Rates From

5.6% APR

What would a espresso machine cost per month?

Espresso Machine price (ex VAT) £6,500

Deposit 10%

Agreement term 60 months

Annual interest rate 9%

Balloon payment £0

Your estimate

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

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

Finance options

Hire Purchase (HP)

Rate: From 6.0% APR
Term: 24–60 months
Deposit: 10–15%
Ownership: Yours at the end
Best for: Espresso Machine buyers wanting to own it outright

Finance Lease

Rate: From 5.6% APR
Term: 24–60 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: 24–60 months
Deposit: 1–3 rentals in advance
Ownership: Return at end
Best for: Upgrade espresso machine regularly. Off balance sheet.

Representative example

On a purchase price of £6,500: a 10% deposit of £650, then 48 monthly payments of £137 at 5.9% APR representative (fixed). Total amount payable £7,226, 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
2-group traditional espresso machine	£4,500 – £8,000	2-Group Espresso Machine
3-group traditional espresso machine	£7,000 – £13,000	3-Group Espresso Machine
Compact single-group espresso machine	£1,500 – £3,500	Single-Group Espresso Machine

Market context

Cafés, restaurants, and hotels investing in a traditional multi-group espresso machine are usually doing so because coffee has become a meaningful part of the offer, not an afterthought. The well-known Italian manufacturers in this space build machines intended to run for a decade or more with regular servicing, which keeps a strong secondhand and refurbished market alive alongside new sales. Most independent cafés finance a traditional machine rather than buy outright, since a good multi-group machine is one of the largest single equipment costs in a small coffee-led business.

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.

Frequently asked questions

Can I finance a secondhand or refurbished espresso machine?

Yes, refurbished traditional espresso machines from specialist dealers are financed regularly, since the core components on well-built machines last for many years and refurbishment often includes a new boiler seal and group head service. Lenders will usually want to see a warranty from the refurbishing dealer, since that gives confidence the machine will perform for the length of the finance term.

Does the water filtration and plumbing get included in the finance?

The machine itself is financed as equipment. A water filter supplied with it is normally included, but plumbing a water line in and fitting a drain is installation work that most lenders treat separately. If your supplier is also fitting the machine, ask for the equipment and installation costs to be shown separately on the invoice. This keeps the application accurate and avoids any confusion at approval stage.

Is a 3-group machine worth financing over a 2-group for a new café?