Spread the cost of espresso machine from £1,500 to £18,000+ with flexible finance options. HP, lease, or refinance;
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
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.
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For UK limited companies with 3+ months’ trading and monthly revenue.
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.
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 |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Espresso machine equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP allows capital allowances. Lease payments are fully deductible against profit.
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.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.