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Laundry Equipment Finance

Spread the cost of a full commercial laundry from £3,000 to £150,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a laundry equipment?

Yes, laundry equipments 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 £150,000, 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.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£3k – £150k

Approval Speed

24–48 hours

Same-day for < £40k

Rates From

5.5% APR

What would a laundry equipment cost per month?

£30,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 6.0% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses wanting to own their laundry equipment outright

Finance Lease

Rate
From 5.5% APR
Term
12–60 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
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Refresh machines as duty cycles increase. Off balance sheet.

Representative example

On a purchase price of £30,000: a 10% deposit of £3,000, then 48 monthly payments of £633 at 5.9% APR representative (fixed). Total amount payable £33,384, 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
Miele Professional Little Giant Package £8,000 – £16,000 Compact Laundry Package
Electrolux Professional myPRO Line 6000 £15,000 – £35,000 Washer & Dryer Package
Girbau Genius Washer-Extractor Package £20,000 – £45,000 High-Spin Package
Full Commercial Laundry Room Fit-Out £50,000 – £120,000 Complete Laundry Room

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Tax benefits

Commercial laundry machines are moveable plant and machinery and generally qualify for Annual Investment Allowance, letting the cost be deducted from taxable profits in the year of purchase. This applies to the washers, dryers and finishing equipment themselves; any plumbing, drainage or ventilation work needed to install them is treated separately, as it becomes part of the building once fitted. HP agreements let you claim capital allowances directly; lease payments are deducted as a running cost instead.

Market context

Commercial laundry equipment is financed across hotels, care homes, gyms with towel services, salons and dedicated laundrette operators, with the right specification driven mainly by daily volume and spin speed rather than by sector. High-spin washer-extractors reduce drying time and energy use compared with domestic-style machines, which matters for businesses running near-continuous cycles through the day, and is usually the deciding factor in choosing a higher-specification package over a cheaper entry-level machine. Because laundry machines run heavy daily duty cycles in commercial use, replacement is generally driven by mechanical wear on bearings, seals and drums rather than by a fixed calendar cycle, and a maintenance contract alongside the finance agreement is common for businesses relying on the laundry to operate every day.

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 full laundry room including plumbing?
The washers, dryers and finishing equipment themselves are financed as equipment. Plumbing, drainage and ventilation work needed to install them is generally a separate builder's cost, since it becomes part of the building once fitted and is not typically included in equipment finance. Some brokers can arrange the two to complete together even though they sit on different types of agreement.
What size laundry equipment do I need to finance?
Specification is driven by daily volume, a hotel or care home running loads continuously through the day needs a higher-spin, larger-capacity washer-extractor than a salon doing towels between clients. Suppliers will generally size a package to your expected daily throughput, and financing the correctly sized equipment from the outset is usually more cost effective than upgrading an undersized machine later.
Can I finance laundry equipment for a leased premises?
Yes, though it is worth confirming with your landlord before installation, since commercial laundry machines often need dedicated plumbing, drainage and sometimes a three-phase electrical supply, which counts as an alteration to the building in most leases. The machines themselves remain moveable equipment and are financed as such regardless of the property arrangement. Keeping a copy of the relevant lease clause to hand when you apply can also speed up the lender's review, since a short remaining lease term relative to the finance term is one of the more common causes of delay on this type of application.
Can I finance used or refurbished laundry equipment?
Yes, most lenders will finance used equipment, typically up to five years old, and refurbished machines from an established commercial laundry supplier. This is a common way to fit out a laundry room on a tighter budget, though duty cycle and remaining working life are worth checking carefully given how hard commercial laundry equipment works. It is worth asking the supplier for the equipment's service history and any remaining warranty before you apply, since this can affect both the rate offered and how quickly the lender is willing to approve the finance.
How quickly can I get laundry equipment finance?
Most applications are approved within 24 to 48 hours. For orders under £40,000, same-day approval is common. Larger laundry room fit-outs may take a few days longer while the lender confirms the full supplier quote. Where a quote mixes new and used laundry equipment, or covers more than one site, it is sensible to allow a little extra time while the lender reviews the full specification before releasing funds.

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