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Filling Machine Finance

Spread the cost of liquid filling machines from £5,000 to £60,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a filling machine?

Yes, filling 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 £5,000 to £60,000, and most deals are written over 24–72 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

£5k – £60k

Approval Speed

24–48 hours

Same-day for < £20k

Rates From

6.0% APR APR

What would a filling machine cost per month?

£20,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 6.5% APR APR
Term
24–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Producers wanting to own the filler outright

Finance Lease

Rate
From 6.0% APR APR
Term
24–72 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
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Keep pace with the newest filling technology

Representative example

On a purchase price of £20,000: a 10% deposit of £2,000, then 48 monthly payments of £422 at 5.9% APR representative (fixed). Total amount payable £22,256, 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
Semi-automatic single-head filler £5,000 – £9,000 Semi-Automatic Filler
Volumetric filler, 4-head £12,000 – £20,000 Multi-Head Volumetric Filler
Automatic in-line filler, 6-head with capper £24,000 – £38,000 Filler-Capper Combination
Rotary filling monobloc, high-speed £40,000 – £60,000 Rotary Filling Line

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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

Filling machines are bought by food and drink manufacturers, ranging from a semi-automatic single-head filler used by a small producer through to a high-speed rotary monobloc line supplying retail volumes. Financing is common because the jump from a manual or semi-automatic filler to an automatic in-line system is a large step in both cost and output, and the equipment is central to how quickly a producer can get product to market. Product-contact parts need to be cleanable and, for many products, validated to food-contact standards, which narrows the used market compared with general industrial equipment, and higher-speed rotary lines are more often bought new as part of an integrated bottling or packaging line.

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 filling machine?
Yes, most lenders finance used fillers up to 8 years old. Fillers that handle food or drink product need food-contact seals and product paths that can be validated and cleaned, so a machine's cleanability affects both the finance terms and its resale value more than for general packaging equipment.
What deposit do I need for a filling machine?
Hire purchase typically asks for 10–20% deposit. Finance leases and operating leases are usually available with no deposit. Rotary monobloc lines cost considerably more than a semi-automatic single-head filler, so the deposit and monthly cost scale with the specific machine rather than a single fixed rule.
How quickly can I get filling machine finance?
Semi-automatic and small multi-head fillers are usually approved within 24–48 hours, with same-day decisions common under £15,000. Rotary monobloc lines and filler-capper combinations, generally bought as part of a wider bottling or packaging line, take longer while the lender reviews the full specification.
Is a filler-capper combination financed as one machine?
Where the filler and capper are built and invoiced as a single monobloc unit, they're financed together as one asset. If a capper is bought separately to add to an existing filler, it's usually financed on its own agreement, though it can often be added to an existing arrangement with the same lender.

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