Coffee Machine Finance
Spread the cost of commercial coffee machines from £2,000 to £30,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.
⚡60-second enquiry
🔒No credit check
📊200+ lenders
🇬🇧UK-based advisors
Typical cost range
£2,000 – £30,000
Average: £10,000
Finance available
HP · Lease · Refinance
From 6.5% APR
Approval speed
24 hours
Same-day for < £15k
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Finance Options for Coffee Machine (Commercial)s
Hire Purchase (HP)
RateFrom 6.9% APR
Term12–48 months
Deposit10–20%
OwnershipYours at the end
Best for: Cafes wanting to own the machine outright
Finance Lease
RateFrom 6.5% APR
Term12–48 months
DepositNone required
OwnershipReturn or buy (balloon payment)
Best for: Tax-efficient — claim 100% of payments against profit
Operating Lease
RateFrom 7.2% APR
Term24–36 months
DepositNone required
OwnershipReturn at end
Best for: Upgrade to latest machines regularly. Off balance sheet.
Popular Coffee Machine (Commercial) Models & Costs
La Marzocco Linea PB£10,000 – £16,0002-Group Espresso
Victoria Arduino Eagle One£8,000 – £13,0002-Group Espresso
Nuova Simonelli Aurelia Wave£7,000 – £12,0002-Group Espresso
Franke A600£12,000 – £20,000Bean-to-Cup Auto
Tax Benefits of Coffee Machine (Commercial) Finance
Commercial coffee machines qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one. HP agreements allow capital allowances. Lease payments are fully deductible from profits.
UK Coffee Machine (Commercial) Market
The UK coffee shop market is worth £4.4bn with over 25,000 outlets. The average UK coffee shop serves 200+ cups per day. Speciality coffee shops are growing at 10% annually in the UK.
Frequently Asked Questions
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