★★★★★
“We financed the espresso machine and grinders without eating into the fit-out budget. The monthly figure was clear from the start.”
Independent Cafe Owner
Manchester launch site
Hospitality Equipment
Coffee machine finance for cafes, hospitality operators and mobile coffee businesses
Spread the cost of commercial espresso machines and supporting coffee equipment while keeping cash available for fit-out, staffing and stock. We help businesses finance single machines, multi-site rollouts and wider coffee setups.
30sDecision Time
100+Lender Panel
£10mMaximum Facility
32Years Senior Experience
Why Finance It?
Why operators finance commercial coffee equipment
Keep cash in the business
A commercial espresso machine can cost £3,000 to £18,000. Finance spreads that cost so your working capital stays intact for stock, wages and launch costs.
Match cost to revenue
Spread the repayment over the period the machine earns for you. Monthly payments that align with what the equipment generates makes more commercial sense than one large upfront hit.
Move at supplier speed
Equipment finance can move quickly when the paperwork is clean. You don't have to wait until cash builds up - get the machine in place when the site is ready.
Upgrade when you need to
Finance keeps options open. When output increases or technology moves on, a new facility is easier to arrange than finding the full purchase price in cash.
How It Works
From quote to machine installation in three steps
01
Tell us what you need
Share the equipment list, your supplier quote and a bit about the business. That's enough for us to identify the right lenders and structure before we come back to you.
02
We match you to the right lender
We search our panel of 100+ lenders and select the ones most likely to approve your case at the best available terms. One enquiry, whole-of-market access.
03
Equipment delivered, supplier paid
Once approved and signed, we pay your supplier directly. Your machine arrives, you start trading and repay in fixed monthly instalments over your chosen term.
What Can Be Included
What usually sits inside a coffee equipment facility
What's typically included
- Commercial espresso machines
- Grinders and dosing equipment
- Water filtration and treatment systems
- Under-counter refrigeration
- Coffee brewing and batch equipment
- Ancillary support kit on the same supplier quote
- Multi-machine packages for multi-site rollouts
What lenders want to see
- A clear supplier quote - even indicative
- Basic business information - trading name, company number
- Recent bank statements or management figures
- A brief explanation of how the equipment supports the business
- For new sites - the launch plan and any deposit position
Worked Example
What coffee machine finance can look like in practice
Single Site Launch
Independent café opening in Manchester
A first-time operator needed a commercial espresso machine and grinder package for a new city centre café. Funded on hire purchase over 36 months, preserving cash for fit-out, staff and opening stock.
Equipment value£8,500
Term36 months
Indicative monthly paymentfrom £262
Multi-Site Expansion
Hospitality group standardising across four venues
An established operator needed to replace ageing machines across four sites with a consistent commercial setup. Structured as a single package on finance lease, keeping monthly costs predictable across the estate.
Equipment value£34,000
Term48 months
Indicative monthly paymentfrom £798
Illustrative only, based on representative APR and subject to lender assessment.
Ready to see what your machine package could cost per month?
Broker Vs Going Direct
Why use a broker rather than going direct to a lender?
| Using Finding Capital | Going direct to one lender | |
|---|---|---|
| Lender access | 100+ lenders searched | One lender only |
| Application | Single enquiry | Multiple separate applications |
| Sector knowledge | Specialist hospitality experience | Generalist underwriting |
| Speed | Matched to fastest suitable lender | Queue with no guarantee |
| If declined | We try alternative lenders | Application ends |
| Cost to you | No upfront fee | No upfront fee |
Going direct to your bank or a single lender means one chance at one set of criteria. A broker searches the whole market in one go, matches your case to the lenders most likely to approve it and handles the paperwork. For equipment finance in a sector like hospitality - where lender appetite varies significantly - that difference matters.
Is This Right For You?
Is coffee machine finance right for your business?
This works well if you're opening a new site, expanding an existing venue, replacing tired equipment or standardising across multiple locations. Whether you're an established operator or launching your first café, we can usually find a route that fits - the case just looks slightly different depending on your trading history.
It's also worth knowing that new businesses aren't automatically excluded. A clear launch plan, a realistic budget, a strong supplier quote and relevant sector experience all carry weight with lenders even if you haven't filed your first set of accounts yet.
Come back to us when you have a supplier quote - even an indicative one. That single document makes the conversation significantly more productive and gives us something concrete to take to lenders from day one.
What our clients say
Coffee operators who kept cash moving
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Get Started →Common Questions
Coffee Machine Finance FAQs
Can I finance a commercial coffee machine as a new business?+
Yes - new businesses are not automatically excluded. Lenders will look more closely at your launch plan, sector experience, deposit position and the overall strength of the case. A clear supplier quote and a realistic commercial plan go a long way. The route may differ slightly from an established business but it is often still workable.
Can grinders, filtration and support kit be included alongside the machine?+
Often yes. Where the grinders, water filtration and ancillary items sit on the same supplier quote as the espresso machine, they can usually be packaged into one facility. It is cleaner than separating them and means one monthly payment covers the full commercial coffee setup.
Is hire purchase or finance lease better for a coffee machine?+
That depends on your priorities. Hire purchase means you own the machine at the end of the term - better if the equipment has a long useful life and you want to keep it. Finance lease tends to offer lower monthly payments and more flexibility at the end of the term - better if you plan to upgrade or replace the machine in a few years. We can walk you through both options when you enquire.
How quickly can coffee machine finance be arranged?+
Straightforward cases with a clean supplier quote and clear business profile can move quickly - sometimes within 24 to 48 hours from enquiry to approval. More complex cases or newer businesses may take a little longer. Having your paperwork ready at the start is the single biggest factor in how fast the process moves.
What if I need finance for the wider fit-out, not just the coffee machine?+
If the requirement goes beyond the coffee setup - kitchen equipment, furniture, extraction, refrigeration - it is worth looking at the wider picture rather than just the machine in isolation. We can compare a machine-specific facility with a broader hospitality equipment package to see which route makes more sense for your full project.