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Reprographics Equipment Finance

Spread the cost of reprographics and print room equipment from £3,000 to £90,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a reprographics equipment?

Yes, reprographics equipments 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 £90,000, and most deals are written over 24–60 months with a deposit of around 10–15%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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2-minute application
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Typical Cost

£3k – £90k

Approval Speed

24–48 hours

Same-day for < £10k

Rates From

5.6% APR

What would a reprographics equipment cost per month?

£22,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 6.0% APR
Term
24–60 months
Deposit
10–15%
Ownership
Yours at the end
Best for
Businesses wanting to own the equipment outright

Finance Lease

Rate
From 5.6% APR
Term
24–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient; claim 100% of payments against profit

Operating Lease

Rate
From 6.5% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Print rooms wanting to refresh equipment as volumes or technology change. Off balance sheet.

Representative example

On a purchase price of £22,000: a 10% deposit of £2,200, then 48 monthly payments of £464 at 5.9% APR representative (fixed). Total amount payable £24,472, 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
A3 multifunction office device (Ricoh/Konica Minolta type) £3,000 – £8,000 Office Multifunction Device
Wide format printer for plans, posters and technical drawings £8,000 – £25,000 Wide Format Printer
Production reprographics system for a high-volume print room £30,000 – £90,000 Production Reprographics System

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Tax benefits

Reprographics equipment, from an office multifunction device through to a production print room system, is plant and machinery, qualifying for the Annual Investment Allowance and letting a business deduct the full cost from taxable profits in the year of purchase, up to £1,000,000, under Hire Purchase. Lease payments are instead deducted as a business expense against profits as they fall due. Cost-per-copy service and toner contracts are usually billed separately from the finance agreement.

Market context

Architecture and engineering practices, print rooms, universities, and larger offices buy reprographics equipment ranging from a general office multifunction device to a dedicated wide format printer or a full production print room system. Finance is common because this equipment covers a wide range of ticket sizes and use cases, from light office printing to continuous production runs, and leasing lets an operator match the finance term to how quickly a machine's speed and technology are likely to be overtaken by a newer model. Replacement is typically driven by rising cost-per-copy on an ageing device, a business outgrowing its current print volume, or production print technology improving enough to justify an upgrade. A functional used and refurbished market exists for office multifunction devices, while higher-end production print systems are more specialised and trade less frequently.

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 the finance agreement include toner, servicing and cost-per-copy charges?
No, finance covers the purchase cost of the reprographics equipment itself. Toner, servicing, and cost-per-copy click charges are typically arranged as a separate ongoing contract with the equipment supplier or a print management provider, so it's worth budgeting for both the finance payment and the running cost contract when comparing suppliers.
Can I finance several multifunction devices across different offices on one agreement?
Yes, most lenders will bundle multiple devices across several sites into a single finance agreement when quoted together by your supplier. This is a common way larger organisations finance a print fleet refresh across multiple offices in one application rather than several.
Is a used or refurbished multifunction device easy to finance?
Yes, office multifunction devices have a well-established used and refurbished market, and most lenders are comfortable financing them with a service history from a reputable supplier. Higher-end production print systems are more specialised, so a lender may want more detail on age and condition before financing a used unit.
How quickly can reprographics equipment finance be approved?
Straightforward office multifunction device deals under £10,000 are commonly approved within 24 to 48 hours once trading details and a supplier quote are provided. Larger production print room systems typically take a few working days longer as the lender reviews the full specification.

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