Opening a new café or hospitality site
Put the espresso machine, grinders, filtration, refrigeration and installation on an itemised supplier quote. If the project includes ovens, extraction or warewashing, explore commercial kitchen finance too.
Coffee machine finance for UK businesses
Put a commercial coffee machine on finance alongside grinders and essential equipment.
Have a machine in mind? Send us the supplier price and your plans.
Put a commercial coffee machine on finance alongside grinders, water treatment, installation and other essential equipment, without tying up your working capital.
Coffee equipment you can financeEquipment for your café
- Traditional espresso machines
- Bean to cup machines
- Grinders
- Roasting equipment
- Water treatment and filtration
- Refrigeration and display
- Full site fit outs
- Traditional espresso machines. Two, three and four group machines for cafes and restaurants, from entry level through to specialist builds.
- Bean to cup machines. Automatic and super automatic units for offices, hotels, forecourts and self serve.
- Grinders. On demand and doser, single and twin hopper, funded alongside a machine or on their own.
- Roasting equipment. Sample, shop and production drum roasters, plus destoners, afterburners and packing equipment.
- Water treatment and filtration. Softeners, filters and boilers that protect the machine and are often left out of the budget.
- Refrigeration and display. Under counter fridges, milk fridges, patisserie displays and back bar units.
- Full site fit outs. Counters, seating, signage and equipment for a new cafe, restaurant or hotel bar, funded as one agreement.
If the equipment you need is not listed, ask. The question is whether it has a clear business use and a sensible working life, not whether it fits a category.
Coffee machine finance for cafés, hospitality and workplaces
Finance can cover a single replacement machine or a complete new-site package. Lenders consider the equipment, supplier, trading history, deposit and proposed term.
Replacing a machine or adding capacity
Established operators can fund a replacement, a second machine or roasting equipment while preserving cash for stock, staffing and the rest of the business.
Supplying coffee equipment
Coffee machine suppliers can place finance alongside the equipment quote, allowing customers to adjust their deposit and term before applying. See finance for equipment suppliers.
Choose your finance routeChoose your finance route
Equipment Leasing
Access the assets your business needs with repayments shaped around use.
Hire Purchase
Spread the cost of essential equipment while working towards ownership.
Not sure which route fits? Compare your finance options.
How coffee machine finance works
The machine, grinder, water treatment and installation can be considered together when they appear on one supplier quote.
Include the espresso machine, grinders, filtration, installation and training on the supplier quote.
We compare terms against the site’s trading history, deposit and expected machine life.
The supplier is paid once documents and delivery are confirmed, so the equipment can start earning.
Sell coffee machines yourself? See how we can help you offer finance to your customers.
Before you order: equipment checklist
What needs to be in the supplier quote?
Ask for an itemised list of the machine, grinders, water treatment and any installation or training. Separate equipment costs from ongoing servicing so the scope is clear. See the commercial coffee machine monthly cost guide.
Will the setup suit the way you trade?
Discuss peak demand, drink volumes, power and water requirements with your supplier. Compare the needs of cafes, restaurants and offices before settling on a machine.
What deposit and term should you consider?
Businesses often compare 24, 36, 48 or 60 months where available. Review the initial payment, monthly cost and total amount payable, then match the term to cash flow and the equipment's expected working life. All options remain subject to lender assessment.
Buying new or refurbished?
For refurbished equipment, ask for its age, service history, warranty and supplier support. Then compare leasing, hire purchase and buying outright.
What will a lender assess?
Expect the lender to review the business, supplier, equipment, price, deposit, requested term and intended use. New ventures may also need forecasts, relevant experience or additional support.
What will the setup really cost each month?
Add servicing, filters, cleaning, energy and a repair allowance to the equipment payment. Use the monthly cost guide and worked example to build a realistic budget.
Coffee equipment finance calculator
A lender will look at the full coffee setup, who is supplying it and whether the site is already trading. The machine, grinders, water treatment and installation should be costed together where possible.
Established operators usually have the widest choice. For a new café, deposit, experience and the business plan carry more weight, so we make those points clear before asking a lender for terms.
Have the supplier quote to hand? Call us on 01279 744159 and we can talk through the likely route.
Coffee equipment finance calculator
Adjust the amount, term and deposit for an illustration. Our team can explain the options for your coffee equipment.
Start with these figures
Offer finance to your customers
A three group espresso machine is a five figure decision. The moment a customer hesitates, embedded finance turns that hesitation into a signed order, without you chasing paperwork or explaining rates you didn't set.
Quotes and applications
Your customer sets their own term and deposit on a £14k espresso machine, then pushes the quote to proposal themselves. No back and forth over price.
Decisions and documents
Auto acceptance and e-sign mean a cafe owner can be approved before their coffee's gone cold. No calls, no chasing signatures.
Application updates
See when an agreement is ending and what a customer could borrow next, useful when it's time to upgrade them to a second machine or a roaster.
Website integration
Plug Capra Connect straight into your own CRM or quoting system. No separate portal for your team to learn.
Finance for your coffee equipment customers
Sell coffee equipment? Put finance alongside your quote with Capra Connect. Your customer can adjust the deposit and term, then apply online.
Coffee machine finance FAQs
Straight answers on used equipment, fit outs, trading history and what can be included.
Still have questions?Can I get a coffee machine on finance?
Yes. You can finance a coffee machine for commercial use through hire purchase or equipment leasing, subject to lender assessment. Include the machine, grinders, water treatment, installation and any eligible fit-out costs on an itemised supplier quote.
Can I finance a used or refurbished machine?
Often, yes. Lenders look at the age of the machine, its condition, who is supplying it and how long it is likely to keep working. A refurbished machine from an established supplier is usually straightforward.
Can I fund a full shop fit out rather than one machine?
Yes. Counters, seating, signage, refrigeration and equipment can be funded together as one agreement rather than several, which keeps the paperwork and the payments simple.
Do I need to have been trading for a certain time?
Established businesses have the widest choice of lenders. New sites can still be funded, though a deposit or a director guarantee is more likely to be asked for, and the business plan carries more weight when there is no trading history.
Can I add equipment to an agreement later?
Usually we would arrange a second agreement alongside the first rather than amending it. If you are adding a lot, it is sometimes cleaner to restructure both into one.
What happens if I move premises?
The agreement follows the business rather than the address, so moving is not a problem. Let us know so the paperwork stays accurate.
Can installation and training be included?
Often, yes, where they appear on the supplier invoice. Plumbing, water treatment and barista training are frequently funded alongside the machine rather than paid separately.
Is water treatment worth financing?
It is worth including. Filtration and softening protect the machine and are one of the most common things left out of a budget, then paid for in cash later.
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Discuss coffee equipment finance
From espresso machines to grinders and roasters, tell us what you need and when. We’ll help you explore the finance options.