Lendus.

Shrink Wrapper Finance

Shrink wrapping machines cost from around £6,000 for a semi-automatic bundling unit to £55,000 for a fully automatic in-line shrink wrapper integrated with a case or tray line.

Can you finance a shrink wrapper?

Yes, shrink wrappers 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 £6,000 to £55,000, and most deals are written over 24-72 months with a deposit of around 10-20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£6k – £55k

Approval Speed

24–48 hours

Same-day for < £30k

Rates From

5.3% - 9.7% per annum

What would a shrink wrapper 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 shrink wrapper price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
5.7% - 9.7% per annum
Term
24-72 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Manufacturers replacing hand-wrapping with a permanent, owned shrink wrapping line

Finance Lease

Rate
5.3% - 8.7% per annum
Term
24-72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Bundling the wrapper, shrink tunnel and infeed conveyor into one deductible payment

Operating Lease

Rate
6.1% - 9.7% per annum
Term
24-60 months
Deposit
None required
Ownership
Return at end
Best for
Businesses that want the line off balance sheet and refreshed as pack formats change

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
Semi-automatic L-bar shrink wrapper £6,000 - £14,000 Semi-Automatic Shrink Wrapper
Automatic in-line shrink wrapper (single product line) £18,000 - £35,000 Automatic Shrink Wrapper
High-speed shrink wrapper integrated with tray or case former £35,000 - £55,000 Integrated Shrink Wrapping Line

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Tax benefits

A shrink wrapper is treated as plant and machinery for tax purposes, so it qualifies for the Annual Investment Allowance (AIA), letting a business deduct the full cost from taxable profits in the year of purchase, up to the current £1,000,000 annual limit. Companies buying new, unused equipment may also qualify for full expensing, a 100% first-year deduction against Corporation Tax. These allowances apply where you own the asset, so they are available under a Hire Purchase agreement. Under a Finance Lease or Operating Lease you do not own the wrapper outright, so allowances are not claimed directly; instead the payments are generally deducted as a business expense against profits. Always confirm treatment with your accountant before committing to a structure.

Market context

Shrink wrappers are bought by food, drinks and general goods manufacturers to bundle multipacks or protect palletised stock, and are rarely bought in isolation, usually specified alongside an infeed conveyor, a shrink tunnel and often a case erector or labeller as one connected line, so integration and commissioning can be a meaningful share of the total project cost beyond the wrapper itself. Buyers range from smaller manufacturers adding a first automatic wrapper to replace hand-wrapping, through to larger sites replacing an older machine to lift line speed. Replacement is typically driven by a production line being reconfigured for new pack formats rather than the wrapper itself failing, since the mechanics are relatively simple and long-lived.

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 shrink wrapper finance cover the infeed conveyor and shrink tunnel as well as the wrapper?
Yes, most lenders are happy to include the infeed conveyor, shrink tunnel and any product handling equipment on the same agreement as the wrapper itself, provided it's all itemised on the supplier's invoice. Since a shrink wrapper rarely works as a standalone machine, bundling the whole line into one agreement is the norm rather than the exception. Your broker can talk this through against your own trading history and site circumstances before you commit to a particular structure.
Can I finance a shrink wrapper as part of a wider packaging line upgrade?
Yes, it's common to finance a shrink wrapper alongside a case erector, labeller or palletiser as one connected project, and many lenders will structure a single agreement across the linked equipment, or several agreements drawn down together depending on how the project is invoiced. Your broker can talk this through against your own trading history and site circumstances before you commit to a particular structure.
Semi-automatic or fully automatic, does it change the finance terms?
Not fundamentally, both are financed through HP, Finance Lease or Operating Lease on similar terms, with the deposit and monthly repayment scaling with the equipment's value. A fully automatic in-line wrapper costs considerably more than a semi-automatic bundling unit, so the term is often set a little longer to keep repayments proportionate to the throughput gain the automation delivers. Your broker can talk this through against your own trading history and site circumstances before you commit to a particular structure.
Is a shrink wrapper eligible for Annual Investment Allowance?
Yes, a shrink wrapper qualifies as plant and machinery, so it's eligible for AIA up to the current annual limit under Hire Purchase. Leased wrappers don't attract AIA directly, but the rental is usually deductible as a business expense instead. Confirm the treatment with your accountant before committing to a structure. Because AIA is a single annual limit across all your capital purchases, it's worth checking the timing of this purchase against anything else you're planning to buy or finance in the same tax year, particularly if several items are being bought together.

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