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Paint Dip Line Finance

Spread the cost of paint dip lines from £20,000 to £300,000+ with flexible finance options. HP, lease or refinance; compare rates from 40+ lenders.

Can you finance a paint dip line?

Yes, paint dip lines 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 £20,000 to £300,000, 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.

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Typical Cost

£20k – £300k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a paint dip line cost per month?

£90,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical paint dip line 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
Metal finishers and fabricators wanting to own their dip coating line 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
Off balance sheet, always current with the latest model.

Representative example

On a purchase price of £90,000: a 10% deposit of £9,000, then 48 monthly payments of £1,899 at 5.9% APR representative (fixed). Total amount payable £100,152, 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
Single-tank dip and drain line £20,000 – £60,000 Single-Tank Dip Line (specification class)
Multi-stage dip line with pre-treatment and cure oven £60,000 – £160,000 Multi-Stage Dip Line (specification class)
Conveyorised e-coat or full dip coating line £160,000 – £300,000 Conveyorised E-Coat/Dip Line (specification class)

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Tax benefits

Paint dip lines qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase, up to £1,000,000 for qualifying plant and machinery. HP agreements let you claim capital allowances on the asset; lease payments are generally deducted as an operating expense.

Market context

Paint dip lines, including electrocoat (e-coat) lines, are bought by fabricators and metal finishers coating complex-shaped components that are difficult to coat evenly by spraying, or where a customer specifies full immersion coverage for corrosion protection. Plating and anodising processes produce effluent that must be treated before discharge, and the treatment plant is frequently a bigger practical constraint on the project than the processing line itself, since it determines whether the site holds, or can obtain, the discharge consent needed to operate at all. That permitting position is a large part of what a lender is really underwriting when it finances a plating or anodising line. A dip line built around a wet paint or e-coat process has a wastewater and rinse stream similar in principle to a plating line, though usually at a different scale and chemistry, so effluent treatment and discharge consent are equally central to the project. Buyers finance a dip line because it comprises the tank set, pre-treatment, cure oven and effluent handling together as one project, usually justified by a specific customer coating specification or by bringing coating in-house from a subcontractor. Replacement or upgrade is typically driven by a customer moving to an e-coat specification for better edge coverage and corrosion resistance, or needing a conveyorised line to increase throughput, rather than the tanks failing, since a well-maintained tank set and oven have a long working life.

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

Does finance cover the effluent and rinse water treatment on a dip line?
Generally yes, where it's itemised on the supplier's invoice as part of the dip line project, since treating the rinse and process water is what allows the line to legally discharge. Agree the complete scope, treatment capacity included, with your supplier and lender before finalising the deal. If in doubt, ask your supplier to itemise every element of the quote clearly before you apply, since anything left off the invoice at that stage is harder to add to the agreement later.
Do I need a permit before financing a paint dip or e-coat line?
Yes, in most cases. You'll need to have secured, or be well advanced in securing, the discharge consent or environmental permit for your site, since a wet dip or e-coat process produces effluent similar in principle to a plating line. Start this with your local environmental regulator early, alongside sourcing the equipment. Lenders in this sector are used to seeing the permitting position confirmed as part of a finance application, so having it documented early avoids delay once you're ready to draw down funds.
What's the difference between financing a dip line and a spray booth?
Both are available on HP, finance lease or operating lease, but a dip or e-coat line typically costs considerably more than a spray booth because it includes tank pre-treatment stages and effluent handling that a spray process doesn't need in the same way, so expect a larger deposit and more detailed review of the permitting position. Talk through your specific volumes and specification with your supplier and lender together, since the right choice between the two usually comes down to the work you have on, not the finance itself.
Can I finance a used paint dip line?
Yes, though lenders will look closely at tank condition and, particularly for an e-coat line, the rectifier and ultrafiltration system, alongside the effluent treatment plant, since these determine the line's remaining working life and permit compliance. It's worth having photos, the serial number and any service or maintenance records ready when you apply, since this is exactly the evidence a lender looks for to support a used equipment application and can speed up the decision.

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