Lendus.

Granulator Finance

Spread the cost of a granulator from £3,000 to £60,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a granulator?

Yes, granulators 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 £3,000 to £60,000, and most deals are written over 12–60 months with a deposit of around 0–15%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£3k – £60k

Approval Speed

24–48 hours

Same-day for < £20k

Rates From

5.4% APR

What would a granulator cost per month?

£14,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 5.6% APR
Term
12–60 months
Deposit
0–15%
Ownership
Yours at the end
Best for
A single dryer, chiller or granulator bought alongside a press

Finance Lease

Rate
From 5.4% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Bundling ancillaries onto the same agreement as the moulder

Refinance

Rate
From 6.2% APR
Term
12–48 months
Deposit
None required
Ownership
Releases equity from equipment you already own
Best for
Freeing up cash tied up in ancillary equipment bought outright

Representative example

On a purchase price of £14,000: a 10% deposit of £1,400, then 48 monthly payments of £295 at 5.9% APR representative (fixed). Total amount payable £15,560, 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
Beside-the-Press Granulator (up to 15kg/hr) £3,000 – £9,000 Compact Granulator
Central/Floor-Standing Granulator £9,000 – £25,000 Production Granulator
Low-Speed, Low-Noise Granulator £15,000 – £40,000 Sound-Enclosed Granulator
High-Throughput Recycling Granulator £25,000 – £60,000 Heavy-Duty Granulator

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Tax benefits

This equipment qualifies for the Annual Investment Allowance, so a purchase or HP agreement can be deducted against taxable profit in the year of purchase. Finance lease payments are typically deductible in full from profit as they are paid, and refinancing an owned asset does not change its capital allowances position.

Market context

Granulators are bought by moulders and extruders wanting to reclaim their own sprues, runners and rejects rather than paying a third party to collect and recycle scrap, or buying in virgin material to replace it. A beside-the-press unit is usually purchased alongside a new moulder as part of the same order, while a central granulator is more often a standalone purchase when a factory consolidates scrap handling from several machines into one point. Replacement is typically driven by blade wear, a move to a quieter sound-enclosed model for factory noise reasons, or a need for higher throughput as production volume grows, rather than the machine failing outright; granulators are mechanically simple and long-lived, and there is a steady used market in reconditioned units from the established manufacturers.

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

Should I buy a granulator with the press or separately?
Most buyers finance a beside-the-press granulator on the same agreement as the moulder it feeds, since it is needed from day one to reclaim sprues and rejects. A central granulator serving several existing machines is more commonly a standalone purchase, financed on its own HP or lease agreement once the business has decided to consolidate scrap handling rather than run multiple small units.
Can I finance a used granulator?
Yes, and it is common. Granulators are mechanically simple, mostly a rotor, blades and a screen, so a well-maintained used unit from a builder such as Rapid Granulator has a long working life and a reasonably liquid resale market. Lenders will typically finance used units up to 10-15 years old, and blades and screens are wear parts that are replaced regardless of the machine’s age.
What deposit do I need for a granulator?
For hire purchase, expect to put down 0-15% deposit, often lower than for the press itself because granulators are lower value and hold their resale value well. A finance lease typically needs no deposit at all. Many lenders will finance a granulator on the same terms and deposit as the moulder if it is bought as part of the same order.
How quickly can granulator finance be approved?
Because granulators are a lower-value, well-understood asset, straightforward applications are often approved within 24 hours, and same-day decisions are common for deals under £20,000. If the granulator is being financed as part of a larger press and ancillary package, approval follows the timeline of the main agreement rather than being assessed separately. Trading history and whether the business already holds other equipment finance with the same lender can also speed up a standalone granulator application, since much of the credit assessment work has already been done.

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