Lendus.

Wort Chiller Finance

Spread the cost of a wort chiller from £3,000 to £60,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a wort chiller?

Yes, wort chillers 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 £60,000, and most deals are written over 12–60 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
No credit check to apply
FCA-regulated brokers

Typical Cost

£3k – £60k

Approval Speed

24–48 hours

Same-day for < £20k

Rates From

5.2% APR

What would a wort chiller cost per month?

£15,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical wort chiller price. Indicative only, not a quote.

Compare wort chiller finance rates from 200+ lenders

Check Eligibility

Finance options

Hire Purchase (HP)

Rate
From 5.6% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Breweries wanting to own the chiller outright

Finance Lease

Rate
From 5.2% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim the lease payments against profit

Operating Lease

Rate
From 5.9% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Keep knockout times fast as batch size grows

Representative example

On a purchase price of £15,000: a 10% deposit of £1,500, then 48 monthly payments of £316 at 5.9% APR representative (fixed). Total amount payable £16,668, 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
Pilot-Scale Plate Chiller £3,000 – £6,000 Single-Stage Plate Chiller
Small Craft Plate Chiller £6,000 – £12,000 Single-Stage Plate Chiller
Mid-Scale Two-Stage Chiller £14,000 – £28,000 Two-Stage Plate Chiller
Production Two-Stage Chiller £30,000 – £55,000 Two-Stage Plate Chiller

Ready to compare wort chiller finance? 2 minutes, no credit check.

Check Eligibility

Tax benefits

A wort chiller qualifies for capital allowances, so most of the purchase cost can be set against taxable profits well within the Annual Investment Allowance most brewing and distilling businesses have available in a given year. Hire purchase lets you claim allowances as the owner from day one. Finance lease and operating lease payments are typically deductible in full as a trading expense, which suits businesses that would rather smooth the deduction over the term than take it all upfront. Speak to your accountant about which structure suits your current tax position.

Market context

A plate wort chiller is sized to the brew length it needs to cool within a set knockout time, so it is one of the pieces of kit a brewery most often replaces or upgrades as batch size increases, even when the brewhouse itself still has headroom. A brewery moving from a single-stage to a two-stage chiller is usually chasing a faster or colder knockout for lager-style yeast pitching temperatures, rather than replacing a failed unit, since plate chillers have few moving parts and a long working life. The glycol supply that feeds the second stage is a separate piece of plant, sized and bought on its own, so a wort chiller upgrade does not always come bundled with the chilled water or glycol system it depends on.

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.

Compare rates from 200+ lenders, takes 2 minutes.

Check Eligibility

Frequently asked questions

Do I need a two-stage chiller or is single-stage enough?
It depends on your yeast pitching temperature. A single-stage chiller using mains or tower water typically gets wort down to somewhere around ambient water temperature, which is fine for many ale yeasts. Lager yeast usually needs a colder pitching temperature than mains water alone can achieve, which is where a second stage using chilled glycol comes in. Many craft breweries start with single-stage and add a second stage later once they brew lager or want faster ale knockout times, financing the upgrade separately.
Is the glycol supply included when I finance a wort chiller?
Not usually. The chiller plates themselves are one asset, while the chilled glycol or water supply that feeds them, whether a dedicated glycol chiller or a wider chilled water loop, is normally sized and bought separately since it may also serve fermenters and bright tanks. When budgeting, check whether your existing chilled water capacity can support a new or upgraded wort chiller before assuming the whole cooling chain is covered by one purchase.
Can I finance a used plate chiller?
Yes. Plate chillers have few moving parts and a long working life, so used units are relatively straightforward to finance, typically up to around 10 to 15 years old, subject to a check for internal fouling or plate damage. Because they are a lower-value item than most other brewhouse equipment, some breweries buy a used chiller outright rather than financing it, while others include it in a wider brewhouse finance package.
What deposit is typical for a wort chiller?
Hire purchase typically asks for a 10 to 20% deposit. Finance lease and operating lease usually require none. Given the relatively modest cost of most plate chillers compared with tanks or a full brewhouse, lenders are often flexible about including a chiller within a larger brewhouse or fermenter finance facility rather than treating it as its own agreement.
Why would I replace a chiller before the brewhouse?
A chiller that cannot cool a full batch within the target knockout time becomes a bottleneck even when the mash tun, kettle and fermenters all still have spare capacity, since a slow knockout risks off-flavours and delays the next brew. Upgrading the chiller on its own, ahead of a wider brewhouse replacement, is a common and comparatively low-cost way to squeeze more throughput out of existing brewing kit.

Related equipment finance

More brewing & distilling finance

See how lenders treat brewing & distilling assets

Guides and resources

Ready to finance your wort chiller?

Compare rates from 200+ lenders. No credit check.

Check Eligibility →
Check Eligibility, 2 min, no credit check