Lendus.

Paint Mixing Scheme Finance

Spread the cost of a paint mixing scheme from £5,000 to £40,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a paint mixing scheme?

Yes, paint mixing schemes 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 £5,000 to £40,000, 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

£5k – £40k

Approval Speed

24–48 hours

Same-day for < £20k

Rates From

5.5% APR

What would a paint mixing scheme cost per month?

£15,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical paint mixing scheme price. Indicative only, not a quote.

Compare paint mixing scheme finance rates from 200+ lenders

Check Eligibility

Finance options

Hire Purchase (HP)

Rate
From 6.0% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Bodyshops wanting to own their mixing scheme 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
Suits bodyshops tied to a paint brand's ongoing scheme terms. Off balance sheet.

Representative example

On a purchase price of £15,000: a 10% deposit of £1,500, then 48 monthly payments of £316 at 5.9% APR representative (fixed). Total amount payable £16,668, 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
Axalta Paint Mixing Scheme £8,000 – £18,000 Waterborne Mixing Scheme
PPG Paint Mixing Scheme £8,000 – £18,000 Waterborne Mixing Scheme
Standox Paint Mixing Scheme £7,000 – £16,000 Waterborne Mixing Scheme
Full Mixing Room Fit-Out with Scales & Tinter £20,000 – £35,000 Complete Mixing Room

Ready to compare paint mixing scheme finance? 2 minutes, no credit check.

Check Eligibility

Tax benefits

Paint mixing equipment, including tinting scales, mixing machines and toner racking, is moveable plant and machinery and generally qualifies for Annual Investment Allowance, letting the cost be deducted from taxable profits in the year of purchase. HP agreements let you claim capital allowances directly; lease payments are deducted as a running cost instead. Ventilation and extraction work fitted as part of the mixing room is treated separately, as it becomes part of the building.

Market context

A paint mixing scheme is typically supplied under an ongoing commercial agreement with a specific paint manufacturer, and the mixing equipment itself, tinting scales, mixing machines and toner storage, is usually financed alongside signing up to that manufacturer's colour formulation system and toner supply. Waterborne mixing schemes have become the standard specification across UK bodyshops, reflecting environmental regulation on solvent-based paints, and most manufacturer schemes are now built around waterborne colour ranges as a result. Because a bodyshop is generally tied to purchasing toner and paint through its chosen manufacturer's scheme for the practical life of the mixing equipment, the choice of which manufacturer's scheme to join is usually a bigger long-term decision than the finance terms on the mixing equipment itself.

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.

Compare rates from 200+ lenders, takes 2 minutes.

Check Eligibility

Frequently asked questions

Is paint mixing equipment tied to a specific paint brand?
Yes, typically. A paint mixing scheme is generally supplied as part of a commercial agreement with a specific paint manufacturer, and the toners and colour formulas used are proprietary to that scheme. This means the choice of manufacturer is usually a longer-term commitment than the finance term on the mixing equipment itself, so it is worth confirming the commercial terms of the paint scheme alongside the finance agreement.
Can the mixing equipment be financed separately from the paint supply agreement?
The physical mixing equipment, scales, mixing machines and toner racking, can be financed as equipment in the usual way. The ongoing supply of paint and toner under the manufacturer's scheme is a separate commercial arrangement with the paint supplier, rather than something a finance lender is involved in, though the two are usually set up together when a bodyshop first joins a scheme.
Do I need extraction or ventilation for a paint mixing room?
Yes, a mixing room needs appropriate ventilation to manage solvent and paint fumes, which is a workplace safety and COSHH (Control of Substances Hazardous to Health) requirement rather than a finance one. Extraction and ventilation work is generally treated as a fixed building cost separate from the mixing equipment itself, since it becomes part of the property once installed. A specialist broker comparing quotes across multiple lenders can usually confirm which product and rate best fits your specific circumstances within the same working day.
Can I switch paint mixing schemes later, and what happens to the finance?
You can switch manufacturer schemes, though this usually means replacing the mixing equipment, since toners and formulation systems are generally proprietary to each manufacturer. Any outstanding finance agreement on the original equipment would need to be settled or run its course independently of a decision to switch schemes. A specialist broker comparing quotes across multiple lenders can usually confirm which product and rate best fits your specific circumstances within the same working day.
How quickly can I get paint mixing scheme finance?
Most applications are approved within 24 to 48 hours once a full supplier quote is available. For orders under £20,000, same-day approval is common. Full mixing room fit-outs including scales, tinter and racking may take slightly longer while the lender confirms the full specification. Where a quote mixes new and used paint mixing scheme, 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.

Related equipment finance

More professional services finance

See how lenders treat professional services assets

Guides and resources

Ready to finance your paint mixing scheme?

Compare rates from 200+ lenders. No credit check.

Check Eligibility →
Check Eligibility, 2 min, no credit check