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Tunnel Finisher Finance

Spread the cost of a garment tunnel finisher from £15,000 to £90,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a tunnel finisher?

Yes, tunnel finishers 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 £15,000 to £90,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–72 hours. Used machines are financeable too, usually with a shorter term.

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2-minute application
No credit check to apply
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Typical Cost

£15k – £90k

Approval Speed

24–72 hours

Longer review for larger contracts

Rates From

5.9% APR

What would a tunnel finisher cost per month?

£40,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical tunnel finisher price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.5% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Laundries and finishers wanting to own the line outright

Finance Lease

Rate
From 5.9% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax efficient; claim 100% of payments against profit

Operating Lease

Rate
From 6.8% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Refresh equipment on a shorter cycle. Off balance sheet.

Representative example

On a purchase price of £40,000: a 10% deposit of £4,000, then 48 monthly payments of £844 at 5.9% APR representative (fixed). Total amount payable £44,512, 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
Single-Chamber Steam Tunnel Finisher (spec class, e.g. Veit) £15,000 – £35,000 Single-Chamber Tunnel
Multi-Chamber Production Tunnel Finisher £35,000 – £65,000 Multi-Chamber Tunnel
High-Throughput Tunnel Finishing Line £65,000 – £90,000 High-Throughput Line

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Tax benefits

A tunnel finisher is moveable plant and machinery and generally qualifies for Annual Investment Allowance, letting the cost be deducted from taxable profits in the year of purchase. This covers the tunnel unit, conveyor and control system itself; the steam supply, ventilation and extraction work needed to install it is usually treated separately as a building cost, since it becomes part of the premises once fitted. HP agreements let you claim capital allowances directly, while lease payments are deducted as a running cost, which many operators prefer given the size of this investment.

Market context

Tunnel finishers are bought by industrial laundries, contract garment finishers and larger dry cleaning operations that need to press high volumes of garments to a consistent finish without hand pressing each item. The number of chambers chosen is driven by daily throughput, a contract finisher processing thousands of garments a day needs a multi-chamber line, while a smaller operation may manage with a single-chamber unit. Because this is a substantial piece of capital equipment, replacement is usually driven by a business outgrowing its current throughput or by boiler, seal and drive wear after years of continuous daily running, rather than a fixed replacement cycle, and used tunnel finishers from specialist laundry equipment dealers do circulate for operators buying on a tighter budget.

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 tunnel finisher as part of a full laundry room fit-out?
Yes, a tunnel finisher is often the single most expensive item in a laundry or dry cleaning finishing line and is commonly financed alongside washers, dryers and steam presses on one agreement. As with other laundry equipment, the machines themselves are financed as equipment, while any steam, ventilation or extraction work needed to install the tunnel is generally a separate cost since it becomes part of the building.
What deposit is typical for tunnel finisher finance?
For hire purchase, most lenders ask for a deposit of around 10 to 20% given the size of this investment, though this can be negotiated depending on your trading history and the strength of your supplier quote. Finance lease agreements often require no deposit but are structured with the size of the payment reflecting the tunnel's substantial value, so lenders will want to see solid trading figures to support the application.
Can I finance a used tunnel finisher?
Yes, most lenders will finance used tunnel finishers from an established laundry equipment dealer, and given the price of new equipment this is a common way for a growing finisher to add capacity. Because these are complex machines with a boiler, conveyor and multiple chambers, lenders will typically want a detailed condition report or the dealer's own inspection before approving finance, and a documented service history can meaningfully affect the rate offered.
How quickly can I get tunnel finisher finance?
Given the size of this equipment, applications typically take a few days rather than being approved same-day, as the lender needs to review the full supplier quote and, on larger deals, your recent trading accounts. Providing your accountant's figures and a clear specification from the supplier upfront is the best way to keep the process moving quickly.

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