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Printer Fleet Finance

Spread the cost of an office printer fleet from £3,000 to £80,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.

Can you finance a printer fleet?

Yes, printer fleets 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 £80,000, and most deals are written over 24–48 months with a deposit of around 0–15%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£3k – £80k

Approval Speed

24 hours

Same-day for < £30k

Rates From

5.3% APR

What would a printer fleet 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 printer fleet price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.6% APR
Term
24–48 months
Deposit
0–15%
Ownership
Yours at the end
Best for
Businesses standardising desk and workgroup printers they intend to own

Finance Lease

Rate
From 5.3% APR
Term
24–48 months
Deposit
None required
Ownership
Return, renew or buy (balloon payment)
Best for
Deductible payments alongside a fleet-wide managed print contract

Managed Print Lease

Rate
From 5.5% APR
Term
24–48 months
Deposit
None required
Ownership
Return or upgrade at end
Best for
Multi-site businesses wanting one consolidated print fleet contract across every office

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
HP LaserJet Enterprise MFP (per unit, fleet order) £600 – £2,500 per unit A4 Multifunction Printer
Canon imageRUNNER Desktop MFP (per unit) £500 – £2,000 per unit A4 Multifunction Printer
Ricoh Desktop Colour MFP (per unit) £600 – £2,200 per unit A4 Colour Printer
Multi-Site Fleet Rollout (x15 units) £9,000 – £30,000 Multi-Site Printer Fleet

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Tax benefits

A printer fleet bought outright or on HP qualifies for the Annual Investment Allowance, letting you deduct the cost against taxable profit in the year of purchase, and lease payments are deductible in full as they are paid. As with a single photocopier, a fleet-wide cost-per-page or managed print service charge covering toner and maintenance across all units is a running cost separate from the equipment finance agreement.

Market context

The typical buyer is a business consolidating a mix of standalone desk printers into a standardised fleet of multifunction devices, usually to cut the number of different models, toner types and support arrangements it has to manage across an office or multiple sites. A managed print fleet is often justified by reducing the total number of devices as much as by replacing old hardware, since several small desk printers with individually purchased toner cartridges are almost always more expensive per page than a smaller number of shared, higher-volume multifunction units on a consolidated cost-per-page contract. As with photocopiers, the finance agreement covers the hardware while the ongoing per-page service charge is billed separately based on fleet-wide print volume.

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

How is a printer fleet different from financing a single photocopier?
The finance mechanics are the same, but a fleet purchase covers multiple devices, often a mix of desk printers and shared workgroup multifunction units placed around an office or across several sites, financed together on one agreement. Fleet purchases are more often bundled with a print management assessment to right-size the number and type of devices, since consolidating several small printers into fewer, better-utilised units is usually where the biggest savings come from.
Can I finance printers across multiple office locations on one agreement?
Yes, a multi-site fleet rollout is commonly financed as a single agreement covering all locations, which keeps the specification consistent and results in one monthly payment rather than a separate agreement per site. Your supplier's quote should break down the device count and specification per location even when it's financed as one project. If sites have very different print volumes, it's still worth asking for site-by-site figures within the single agreement so you can track costs accurately per location.
Does printer fleet finance cover toner and maintenance across the whole fleet?
No, toner, parts and maintenance are covered by a separate cost-per-page or managed print service contract, billed based on actual usage across the fleet, and this recurring cost sits outside the equipment finance agreement, which covers only the printer hardware itself. A fleet-wide managed print contract usually charges one blended rate across all devices, which is simpler to budget for than tracking toner costs per printer individually.
How many printers does a typical office fleet include?
It depends heavily on staff numbers and how printing is organised, but many offices now aim for a smaller number of higher-volume shared multifunction devices rather than a printer at every desk, commonly working out to roughly one device per twenty to thirty staff for general office printing, with additional units for specific departments like finance or reception that print more.
How quickly can printer fleet finance be approved?
Most applications are approved within 24 hours, and printer fleet purchases under £30,000 are often approved the same day, provided the business has a clean credit history and the supplier's quote is straightforward to review. Larger orders, multi-site rollouts, or purchases bundled with other equipment on the same agreement can take a little longer, since the lender needs to review the full specification and how the purchase fits with what the business already has in place.

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