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Tunnel Washer Finance

Spread the cost of tunnel and crate washers from £15,000 to £120,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a tunnel washer?

Yes, tunnel washers 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 £120,000, and most deals are written over 36–84 months with a deposit of around 15–25%. Decisions typically take 3–7 working days. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£15k – £120k

Approval Speed

3–7 working days

Reflects bespoke specification and installation

Rates From

6.5% APR APR

What would a tunnel washer cost per month?

£45,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 7.0% APR APR
Term
36–84 months
Deposit
15–25%
Ownership
Yours at the end
Best for
Processors wanting to own the washer outright

Finance Lease

Rate
From 6.5% APR APR
Term
36–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim the full lease payment against profit

Operating Lease

Rate
From 7.3% APR APR
Term
36–60 months
Deposit
None required
Ownership
Return at end
Best for
Keep pace with the newest hygiene technology

Representative example

On a purchase price of £45,000: a 10% deposit of £4,500, then 48 monthly payments of £949 at 5.9% APR representative (fixed). Total amount payable £50,052, 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
Crate washing tunnel, 300 crates/hr £15,000 – £28,000 Crate Washing Tunnel
Crate/tray washing tunnel, 800 crates/hr £32,000 – £55,000 Production Crate Washer
Bin and tote washing tunnel £45,000 – £75,000 Bin Washing Tunnel
High-capacity multi-stage washing tunnel £80,000 – £120,000 Multi-Stage Washing Tunnel

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Tax benefits

This equipment qualifies as plant and machinery for Annual Investment Allowance (AIA) and full expensing, so the cost can be deducted from taxable profits in the year of purchase for a hire purchase agreement. Finance and operating leases are generally treated as an operating expense, with the payments deducted from profits as they fall due rather than claimed as a capital allowance.

Market context

Tunnel washers are bought by food processors and packhouses running returnable crates, trays or bins through a continuous cleaning cycle, typically when manual or batch washing can no longer keep pace with the volume of reusable containers moving through the site. They are financed because a genuine tunnel washing system with heating, detergent dosing and drying stages is a substantial capital item, and processors would rather spread the cost across the years the equipment supports production than fund it upfront. Because these machines are frequently specified to a particular site's crate sizes, throughput and layout, the used market is thinner than for standard kitchen or processing equipment, and most installations are bought new.

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 used tunnel washer?
Yes, though the used market is smaller than for standalone kitchen equipment because tunnel washers are typically built or specified for a particular site's crate, tray or bin sizes and throughput. Lenders will fund used units up to around 10 years old where the pump, heating and conveyor system have a documented service history.
What deposit do I need for a tunnel washer?
Hire purchase typically asks for 15–25% deposit given the higher ticket size and bespoke specification of this equipment. Finance leases and operating leases are usually available with no deposit. Installation and utility connection costs are often a significant share of the total project and worth confirming with your lender upfront.
How quickly can I get tunnel washer finance?
Given the size and site-specific specification of most tunnel washers, expect a working week or more for approval rather than a same-day decision. The lender will want to see the full specification, including capacity, water and drainage requirements, and how the machine fits your site.
Is water heating and drainage included in tunnel washer finance?
Water heating, softening and drainage connection can usually be included in the finance where they're itemised on the supplier's invoice alongside the machine. Given how much of a tunnel washer installation this represents, it's worth agreeing with your lender in advance exactly what's covered, since practice varies between suppliers.

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