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Food Mixer Finance

Spread the cost of commercial food mixers from £2,500 to £20,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a food mixer?

Yes, food mixers 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 £2,500 to £20,000, and most deals are written over 12–60 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

£3k – £20k

Approval Speed

24–48 hours

Same-day for < £20k

Rates From

5.5% APR APR

What would a food mixer cost per month?

£8,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical food mixer price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.0% APR APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Bakeries and kitchens wanting to own the mixer outright

Finance Lease

Rate
From 5.5% APR APR
Term
12–60 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 6.3% APR APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Always have the latest model under contract

Representative example

On a purchase price of £8,000: a 10% deposit of £800, then 48 monthly payments of £169 at 5.9% APR representative (fixed). Total amount payable £8,912, 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
Planetary mixer, 20L bowl £2,500 – £4,000 Bench Planetary Mixer
Planetary mixer, 40L bowl £5,000 – £8,000 Floor Planetary Mixer
Hobart HL600, 60L bowl £9,000 – £13,000 Heavy-Duty Planetary Mixer
Planetary mixer, 80–140L bowl £14,000 – £20,000 High-Capacity Planetary Mixer

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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

Food mixers are bought by bakeries, patisseries, restaurants and central production kitchens, either to move up from a bench mixer as batch sizes grow, or to replace a machine whose gearbox has worn out from years of heavy dough or cake batter work. They are financed because the step from a bench mixer to a genuinely heavy-duty floor model represents a large jump in cost for a piece of equipment that, on its own, does not generate revenue the way an oven or till does. Planetary mixers from the established manufacturers hold value well on the used market, since the gearbox is built to outlast several sets of bowls and attachments.

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 food mixer?
Yes. Most lenders finance used planetary mixers up to 10 years old, since the gearbox and motor are built for long service and worn bowls, whisks and beaters are cheap to replace. Machines from the established catering brands hold their value well, and a service record covering the gearbox helps secure a standard rate rather than a used-equipment premium.
What deposit do I need for a food mixer?
Hire purchase typically asks for 10–20% deposit. Finance leases and operating leases are usually available with no deposit at all. Larger floor-standing mixers cost considerably more than a bench model, so the deposit and monthly figures scale with bowl capacity rather than following a single fixed rule.
How quickly can I get food mixer finance?
Bench and small floor mixers are usually approved within 24–48 hours, with same-day decisions common under £10,000. Larger high-capacity mixers, or a mixer bought as part of a wider bakery or kitchen fit-out, may take a little longer while the lender reviews the full invoice.
Can I finance a mixer alongside other kitchen equipment?
Yes, mixers are commonly financed as one line on a wider catering equipment agreement alongside ovens, prep tables and refrigeration. Bundling equipment on one agreement is often simpler to administer than separate agreements per item, provided all the items are on the same supplier invoice.

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