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Production Printer Finance

Spread the cost of a production printing press from £20,000 to £300,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.

Can you finance a production printer?

Yes, production printers 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 36–60 months with a deposit of around 10–20%. Decisions typically take 2–3 working days. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£20k – £300k

Approval Speed

2–3 working days

Same-day for < £30k

Rates From

5.1% APR

What would a production printer cost per month?

£80,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 5.4% APR
Term
36–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Print businesses running a press for its full duty-cycle life, often well beyond the finance term

Finance Lease

Rate
From 5.1% APR
Term
36–60 months
Deposit
None required
Ownership
Return, renew or buy (balloon payment)
Best for
Deducting payments against profit while keeping the balance sheet lighter

Refinance/Sale & Leaseback

Rate
From 5.6% APR
Term
24–48 months
Deposit
None required
Ownership
Continue using the asset
Best for
Releasing capital from a press you already own to fund working capital or a further upgrade

Representative example

On a purchase price of £80,000: a 10% deposit of £8,000, then 48 monthly payments of £1,688 at 5.9% APR representative (fixed). Total amount payable £89,024, 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
Ricoh Pro Series Digital Press £25,000 – £90,000 Digital Production Press
Canon varioPRINT Series £40,000 – £150,000 High-Volume Production Press
Konica Minolta AccurioPress Series £35,000 – £130,000 Production Press
Finishing Line (booklet-maker/trimmer) £15,000 – £60,000 Finishing Equipment

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Tax benefits

A production press and finishing equipment qualify for the Annual Investment Allowance, letting you deduct the cost against taxable profit in the year of purchase on an outright buy or HP agreement, and lease payments are deductible in full as they are paid. A cost-per-click or per-sheet click charge covering consumables, parts and engineer cover, which is standard on most production press contracts, is a running cost separate from the capital finance.

Market context

The typical buyer is a print or reprographics business investing in a new digital press to add capacity, take on higher-value short-run colour work, or replace a press that's reaching the end of its click-charge contract and manufacturer support. Production presses represent one of the largest single equipment purchases many print businesses make, and because they're specialist, high-value and central to the buyer's ability to trade, lenders typically look closely at the business's order book and trading history alongside the asset itself. Presses are usually run to the end of their duty cycle rather than replaced on a fixed schedule, so the finance term is often shorter than the machine's realistic working life, with many businesses refinancing or extending once the original agreement ends.

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 production printer finance cover the click charge or consumables contract?
No, the press and any integrated finishing equipment are the financeable assets, while the cost-per-click or per-sheet click charge covering toner, ink, drums and engineer cover is a service contract billed separately based on actual production volume. This is a standard structure in the print industry and mirrors how office photocopiers are typically financed and serviced. Some print businesses negotiate the click rate independently of the equipment finance, since it's tied to production volume and can be renegotiated at contract renewal without touching the underlying finance agreement.
Can I finance finishing equipment, like a booklet maker or trimmer, alongside the press?
Yes, finishing equipment is commonly financed on the same agreement as the press when it's part of the same production line purchase, since lenders are used to funding a complete workflow rather than just the printer itself. If you're adding finishing equipment to an existing press at a later date, that can also be financed separately. Financing them together also means a single monthly payment covers the full production line, which many print businesses find easier to budget against than several separate agreements.
Will a lender finance a production press for a newer print business?
It's possible, but expect more detailed scrutiny than for smaller office equipment, given the higher value and specialist nature of production presses. Lenders will typically want to see evidence of an order book or contracted work, and a newer business may be asked for a larger deposit or additional security to support the application. Approaching a lender who specialises in the print sector, rather than a generalist, can also improve the odds, since they better understand click-charge contracts and typical order patterns.
Is sale and leaseback a realistic option for a press I already own?
Yes, sale and leaseback lets a print business release the capital tied up in a press it already owns outright, receiving a lump sum while continuing to use the equipment and making lease payments going forward. This is a common way to fund working capital, a further equipment upgrade, or to smooth cash flow without giving up production capacity. The amount released depends on the press's current market value and condition, so an independent valuation is usually the first step before a lender will quote.
How quickly can production printer finance be approved?
Most applications are approved within 24 hours, and production printer 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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