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Offset Press Finance

Spread the cost of an offset press from £35,000 to £550,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a offset press?

Yes, offset presss 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 £35,000 to £500,000, and most deals are written over 12–84 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
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Typical Cost

£35k – £500k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a offset press cost per month?

£140,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
12–84 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Print businesses wanting to own the press outright

Finance Lease

Rate
From 4.5% APR
Term
12–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.2% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Always have the latest technology. Off balance sheet.

Representative example

On a purchase price of £140,000: a 10% deposit of £14,000, then 48 monthly payments of £2,953 at 5.9% APR representative (fixed). Total amount payable £155,744, 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
2-colour sheetfed offset press, small format £35,000–£70,000 Small Format Offset
4-colour sheetfed offset press, medium format (Heidelberg class) £150,000–£320,000 Medium Format Offset
4-colour sheetfed offset press, medium format (Komori class) £140,000–£320,000 Medium Format Offset
5/6-colour sheetfed offset press, large format (Koenig & Bauer class) £300,000–£550,000 Large Format Offset

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Tax benefits

An offset press qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase, up to £1,000,000. Hire purchase agreements let you claim capital allowances on the machine. Lease payments are generally deductible in full against profits as they fall due.

Market context

Offset presses are bought by commercial and book printers, packaging converters and in-house print rooms running the volumes where litho's per-sheet cost beats digital. A press is typically the single largest capital item on a small printer's balance sheet, so most buyers finance it rather than tie up working capital needed for paper stock, plates and wages between jobs. Machine utilisation is central to whether the finance works at all, and buyers commonly size the press, its colour count and sheet size, to the print runs they already have committed rather than growth they hope for. Replacement is usually driven by a customer wanting tighter colour control, faster make-ready or a larger sheet than the current press can deliver, not by the press wearing out; a well-maintained offset press can run for decades. Used values hold up unevenly across the major builders, with some brands retaining strong secondhand demand and others discounting more sharply, so refinancing an existing press is a realistic option for some makes and a harder sell for others.

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 offset press?
Yes. Most lenders finance used offset presses up to 15 to 20 years old, reflecting how long these machines stay in productive service. An independent engineer's valuation is normally required for anything over 10 years old, and rates for used presses typically run 0.5 to 1% higher than for new. Because residual values differ by manufacturer, the lender's view of a used press from an established builder may be more favourable than for a less established make.
What deposit do I need?
For hire purchase, expect to put down 10 to 20%. Finance leases and operating leases often need no deposit, though lenders financing a large-format press may still ask for one given the size of the transaction. A bigger deposit lowers your monthly payment and can improve the rate offered. Deposit size is one of the few levers you control once you've chosen the machine, since putting down more reduces both the rate offered and the monthly commitment. It's worth asking your broker to model a couple of deposit levels before deciding which suits your cash flow.
Is installation and rigging included in the finance?
Most lenders will include delivery, rigging, foundation work and commissioning in the finance amount, provided these appear on the supplier's invoice alongside the press itself. Given how disruptive and costly a press install can be, it's worth confirming this upfront so the whole project is covered by one agreement rather than the rigging being paid separately from working capital. Check this line by line on the quote rather than assuming it is automatically covered.
How does financing an offset press differ from a digital press?
An offset press is a mechanical asset with a long working life and a genuine used market, so lenders are generally comfortable extending longer terms, up to 84 months, and financing older secondhand machines. A digital press ages by click count as much as by calendar year, so terms tend to be shorter and used-machine finance more cautious. Ink, plates and blankets for an offset press are a separate ongoing cost from the finance, unlike a digital engine's manufacturer click-charge contract.
How quickly can I get offset press finance?
Applications under £100,000 are often approved within 24 to 48 hours. Larger presses, particularly imports requiring rigging surveys or where the press is coming via auction, typically take one to two weeks because the lender needs the full picture of freight, installation and any import duty before releasing funds. The speed mostly comes down to how complete the application is at the outset, bank statements, accounts and supplier quote all in hand speeds things up considerably, while a lender chasing missing paperwork is what usually stretches a straightforward deal out past a couple of days.

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