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Quench Tank Finance

Spread the cost of quench tanks from £8,000 to £120,000+ with flexible finance options. HP, lease or refinance; compare rates from 40+ lenders.

Can you finance a quench tank?

Yes, quench tanks 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 £8,000 to £120,000, 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.

200+ UK lenders
2-minute application
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Typical Cost

£8k – £120k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a quench tank cost per month?

£30,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical quench tank 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
Heat treatment operations wanting to own their quench system 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 £30,000: a 10% deposit of £3,000, then 48 monthly payments of £633 at 5.9% APR representative (fixed). Total amount payable £33,384, 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
Static oil quench tank, small capacity £8,000 – £25,000 Static Quench Tank (specification class)
Agitated oil or polymer quench tank with cooling £25,000 – £65,000 Agitated Quench Tank (specification class)
Integrated quench system with filtration and fire suppression £65,000 – £120,000 Integrated Quench System (specification class)

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Tax benefits

Quench tanks 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

Quench tanks are bought alongside a heat treatment furnace as the cooling stage of a hardening process, using oil, polymer or water depending on the material and specification required. Furnaces and heat treatment plant are heavy, need a significant electrical supply, and often require planning or environmental permitting for emissions before the site can operate the equipment. Installation and commissioning, including the electrical infeed, foundations and any flue or abatement work, is frequently a large share of the total project cost, and is not always financeable on the same agreement as the equipment itself. A quench tank itself is a smaller purchase than the furnace it serves, but agitation, cooling and fire suppression systems add to both cost and installation complexity on a larger system, and quench oil handling has its own site safety and storage considerations. Buyers finance a quench tank most often as part of the same agreement as the furnace it works with, since the two are bought together as one hardening line; standalone quench tank purchases are usually a replacement or an upgrade to agitation and cooling on an existing furnace. Replacement is typically driven by needing more consistent agitation for repeatable hardness results, or upgrading fire suppression and filtration to meet insurer or site requirements, rather than the tank itself failing, since a steel tank has a very long service life if the quenchant is properly maintained and filtered.

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 quench tank on its own, without a new furnace?
Yes. While quench tanks are often bought as part of a furnace and quench line together, upgrading agitation, cooling or fire suppression on an existing quench system is a standalone purchase that lenders will finance separately. Because this kind of replacement is usually planned rather than an emergency, there's normally time to get a proper valuation or condition assessment done before you commit to the finance.
Does finance cover fire suppression on a quench tank?
Yes, provided it's itemised on the supplier's invoice alongside the tank. Fire suppression is a significant safety consideration on an oil quench system, and it's often specified and quoted as part of the same project rather than added afterwards, so most buyers finance the two together. 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.
Can I finance a used quench tank?
Yes. Quench tanks are simple steel vessels with an agitation and cooling system, so lenders will finance used equipment readily. The condition of the agitation pump, cooling coils and any filtration system are the main things worth checking, since the tank itself typically outlasts these components. 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.
What deposit is typical for a quench tank?
Hire purchase deals typically ask for a 10-20% deposit, while finance leases and operating leases often need none. Where the quench tank is financed as part of a combined furnace and quench line agreement, the deposit is usually calculated on the total invoice value. Putting down a larger deposit than the minimum can also strengthen an application from a newer or smaller business, since it reduces the amount the lender is exposed to over the term and can unlock a better rate.

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