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Pasteuriser Finance

Spread the cost of pasteurisers from £10,000 to £100,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a pasteuriser?

Yes, pasteurisers 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 £10,000 to £100,000, and most deals are written over 36–84 months with a deposit of around 15–25%. Decisions typically take 3–7 working days. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£10k – £100k

Approval Speed

3–7 working days

Continuous plate systems often take longer

Rates From

6.5% APR APR

What would a pasteuriser cost per month?

£35,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 7.0% APR APR
Term
36–84 months
Deposit
15–25%
Ownership
Yours at the end
Best for
Producers wanting to own the pasteuriser outright

Finance Lease

Rate
From 6.5% APR APR
Term
36–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim the full lease payment against profit

Operating Lease

Rate
From 7.3% APR APR
Term
36–60 months
Deposit
None required
Ownership
Return at end
Best for
Keep pace with the newest processing technology

Representative example

On a purchase price of £35,000: a 10% deposit of £3,500, then 48 monthly payments of £738 at 5.9% APR representative (fixed). Total amount payable £38,924, 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
Batch pasteuriser, 100–500L £10,000 – £20,000 Batch Pasteuriser
Batch pasteuriser, 1,000–2,000L £22,000 – £40,000 Small Dairy Batch Pasteuriser
HTST plate pasteuriser, 1,000 l/hr £40,000 – £65,000 Continuous Plate Pasteuriser
HTST plate pasteuriser, 3,000 l/hr+ £65,000 – £100,000 High-Throughput Plate Pasteuriser

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Tax benefits

This equipment qualifies as plant and machinery for Annual Investment Allowance (AIA) and full expensing, so the cost can be deducted from taxable profits in the year of purchase for a hire purchase agreement. Finance and operating leases are generally treated as an operating expense, with the payments deducted from profits as they fall due rather than claimed as a capital allowance.

Market context

Pasteurisers are bought by dairies, breweries, juice producers and other liquid food and drink manufacturers, typically at new production line installation or when scaling from batch to continuous processing. They are financed because a compliant pasteuriser with the correct holding time, flow diversion and recording instrumentation is a significant capital item, and for most producers pasteurisation is a regulatory requirement rather than a discretionary upgrade. A batch pasteuriser is a genuinely standalone asset that holds reasonable value used, while a continuous HTST plate system is more often installed as one stage within a wider processing line and is harder to resell independently of that line.

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 pasteuriser?
Yes, most lenders finance used pasteurisers up to 10 years old, and reconditioned units from established manufacturers appear reasonably often on the used dairy equipment market. What matters most is the condition of the plate heat exchanger or jacket and the control and recording instrumentation, since this is what regulatory sign-off depends on.
What deposit do I need for a pasteuriser?
Hire purchase typically asks for 15–25% deposit given the higher ticket size of this equipment. Finance leases and operating leases are usually available with no deposit. Continuous HTST plate systems cost considerably more than a batch pasteuriser, so the deposit scales with the specific machine and its throughput.
How quickly can I get pasteuriser finance?
Batch pasteurisers are usually approved within a few working days given the ticket size. Continuous HTST plate systems, which are typically integrated with holding tubes, flow diversion valves and recording instrumentation as part of a wider process, take longer while the lender reviews the full installation.
Does the pasteuriser need regulatory approval before finance is released?
Lenders fund the equipment itself rather than the regulatory sign-off, which is arranged separately with your local authority or the relevant food standards body once the pasteuriser is installed. It's sensible to confirm your process design with them before ordering, since retrofitting a pasteuriser to meet a requirement can be costly.

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