Full lender comparison and tips for securing the most competitive terms on printing press and packaging equipment finance.
Full Lender Comparison - Printing Equipment Finance
| Lender | Rate Range | Term | Deposit | Decision Speed |
|---|---|---|---|---|
| Lloyds Bank | 5.5–8.5% | 3–7 years | 10% | 5–10 days |
| HSBC | 5.0–8.0% | 3–7 years | 10% | 5–10 days |
| Close Brothers | 6.5–11.0% | 2–7 years | 0–10% | 2–4 days |
| Aldermore | 6.0–10.5% | 2–7 years | 0–10% | 2–5 days |
| Bibby Financial Services | 7.5–12.0% | 2–5 years | 0–10% | 2–4 days |
| Grenke | 6.0–10.0% | 1–5 years | 0% | 24 hours |
| Nucleus Commercial Finance | 7.0–13.0% | 1–5 years | 0% | 24–48 hours |
Rates are indicative and correct as of October 2026. Subject to credit approval and individual circumstances.
5 Tips for Getting the Best Printing Equipment Finance Rate
Use a whole-of-market broker
Brokers compare multiple lenders simultaneously, which typically delivers a better rate than approaching lenders individually.
Prepare strong financial information
Clean, well-presented management accounts and tax returns help lenders underwrite quickly and positively.
Consider term length carefully
Shorter terms usually attract lower rates. Run both scenarios and compare total cost of finance against monthly payment.
Make a deposit if possible
A 10–20% deposit reduces lender risk and can meaningfully lower your interest rate, particularly with mainstream banks.
Compare structure as well as rate
HP vs finance lease has different tax and ownership implications. The lowest headline rate is not always the cheapest option overall.
Rates and criteria by lender
How each lender and manufacturer finance scheme on our panel prices this asset in October 2026, and where it fits. Rates are indicative; we compare them all for your case.
Aldermore Printing Equipment Finance Rates
The table below illustrates indicative monthly repayments based on Aldermore's current rate range of 6.0–10.5% over a 5-year term. Actual rates depend on credit profile, asset type, and deal structure.
| Finance Amount | Rate Range | Example Term | Est. Monthly Payment | Deposit |
|---|---|---|---|---|
| £5,000 | 6.0% – 10.5% | 5 years | £97 – £107 | 0–10% |
| £25,000 | 6.0% – 10.5% | 5 years | £483 – £537 | 0–10% |
| £100,000 | 6.0% – 10.5% | 5 years | £1,933 – £2,149 | 0–10% |
| £400,000 | 6.0% – 10.5% | 5 years | £7,733 – £8,598 | 0–10% |
Bibby Financial Services Printing Equipment Finance Rates
The table below illustrates indicative monthly repayments based on Bibby Financial Services's current rate range of 7.5–12.0% over a 3-year term. Actual rates depend on credit profile, asset type, and deal structure.
| Finance Amount | Rate Range | Example Term | Est. Monthly Payment | Deposit |
|---|---|---|---|---|
| £5,000 | 7.5% – 12.0% | 3 years | £156 – £166 | 0–10% |
| £25,000 | 7.5% – 12.0% | 3 years | £778 – £830 | 0–10% |
| £100,000 | 7.5% – 12.0% | 3 years | £3,111 – £3,321 | 0–10% |
| £400,000 | 7.5% – 12.0% | 3 years | £12,442 – £13,286 | 0–10% |
Close Brothers Printing Equipment Finance Rates
The table below illustrates indicative monthly repayments based on Close Brothers's current rate range of 6.5–11.0% over a 5-year term. Actual rates depend on credit profile, asset type, and deal structure.
| Finance Amount | Rate Range | Example Term | Est. Monthly Payment | Deposit |
|---|---|---|---|---|
| £5,000 | 6.5% – 11.0% | 5 years | £98 – £109 | 0–10% |
| £25,000 | 6.5% – 11.0% | 5 years | £489 – £544 | 0–10% |
| £100,000 | 6.5% – 11.0% | 5 years | £1,957 – £2,174 | 0–10% |
| £400,000 | 6.5% – 11.0% | 5 years | £7,826 – £8,697 | 0–10% |
Grenke Printing Equipment Finance Rates
The table below illustrates indicative monthly repayments based on Grenke's current rate range of 6.0–10.0% over a 3-year term. Actual rates depend on credit profile, asset type, and deal structure.
| Finance Amount | Rate Range | Example Term | Est. Monthly Payment | Deposit |
|---|---|---|---|---|
| £5,000 | 6.0% – 10.0% | 3 years | £152 – £161 | 0% |
| £25,000 | 6.0% – 10.0% | 3 years | £761 – £807 | 0% |
| £100,000 | 6.0% – 10.0% | 3 years | £3,042 – £3,227 | 0% |
| £400,000 | 6.0% – 10.0% | 3 years | £12,169 – £12,907 | 0% |
HSBC Printing Equipment Finance Rates
The table below illustrates indicative monthly repayments based on HSBC's current rate range of 5.0–8.0% over a 5-year term. Actual rates depend on credit profile, asset type, and deal structure.
| Finance Amount | Rate Range | Example Term | Est. Monthly Payment | Deposit |
|---|---|---|---|---|
| £5,000 | 5.0% – 8.0% | 5 years | £94 – £101 | 10% |
| £25,000 | 5.0% – 8.0% | 5 years | £472 – £507 | 10% |
| £100,000 | 5.0% – 8.0% | 5 years | £1,887 – £2,028 | 10% |
| £400,000 | 5.0% – 8.0% | 5 years | £7,548 – £8,111 | 10% |
Lloyds Bank Printing Equipment Finance Rates
The table below illustrates indicative monthly repayments based on Lloyds Bank's current rate range of 5.5–8.5% over a 5-year term. Actual rates depend on credit profile, asset type, and deal structure.
| Finance Amount | Rate Range | Example Term | Est. Monthly Payment | Deposit |
|---|---|---|---|---|
| £5,000 | 5.5% – 8.5% | 5 years | £96 – £103 | 10% |
| £25,000 | 5.5% – 8.5% | 5 years | £478 – £513 | 10% |
| £100,000 | 5.5% – 8.5% | 5 years | £1,910 – £2,052 | 10% |
| £400,000 | 5.5% – 8.5% | 5 years | £7,640 – £8,207 | 10% |
Nucleus Commercial Finance Printing Equipment Finance Rates
The table below illustrates indicative monthly repayments based on Nucleus Commercial Finance's current rate range of 7.0–13.0% over a 3-year term. Actual rates depend on credit profile, asset type, and deal structure.
| Finance Amount | Rate Range | Example Term | Est. Monthly Payment | Deposit |
|---|---|---|---|---|
| £5,000 | 7.0% – 13.0% | 3 years | £154 – £168 | 0% |
| £25,000 | 7.0% – 13.0% | 3 years | £772 – £842 | 0% |
| £100,000 | 7.0% – 13.0% | 3 years | £3,088 – £3,369 | 0% |
| £400,000 | 7.0% – 13.0% | 3 years | £12,351 – £13,478 | 0% |
Heidelberg Financial Services vs Independent Broker for Printing Press Finance: Which Is Better?
An independent comparison for UK printing businesses considering Heidelberg offset and digital presses.
| Feature | Heidelberg Financial Services | Independent Broker |
|---|---|---|
| Lender access | Single lender (in-house) | Whole-of-market panel |
| Rate competitiveness | Competitive on promotions | Consistently competitive |
| Asset scope | Own brand only | Any make, any age |
| Credit flexibility | Standard credit criteria | Multiple credit profiles catered for |
| Decision speed | 1–5 days typical | 24 hours to 5 days |
| Deposit requirement | Varies by promotion | 0% options available |
| Multi-asset deals | Same brand assets only | Mixed fleets and brands |
| Advice obligation | No independent advice | Independent broker obligation |
HP Financial Services vs Independent Broker for Print Finance: Which Is Better?
An independent comparison for UK printing businesses considering HP digital presses and wide-format printers.
| Feature | HP Financial Services | Independent Broker |
|---|---|---|
| Lender access | Single lender (in-house) | Whole-of-market panel |
| Rate competitiveness | Competitive on promotions | Consistently competitive |
| Asset scope | Own brand only | Any make, any age |
| Credit flexibility | Standard credit criteria | Multiple credit profiles catered for |
| Decision speed | 1–5 days typical | 24 hours to 5 days |
| Deposit requirement | Varies by promotion | 0% options available |
| Multi-asset deals | Same brand assets only | Mixed fleets and brands |
| Advice obligation | No independent advice | Independent broker obligation |
Ricoh Capital vs Independent Broker for Copier and Print Finance: Which Is Better?
An independent comparison for UK printing businesses considering Ricoh production printers and MFPs.
| Feature | Ricoh Capital | Independent Broker |
|---|---|---|
| Lender access | Single lender (in-house) | Whole-of-market panel |
| Rate competitiveness | Competitive on promotions | Consistently competitive |
| Asset scope | Own brand only | Any make, any age |
| Credit flexibility | Standard credit criteria | Multiple credit profiles catered for |
| Decision speed | 1–5 days typical | 24 hours to 5 days |
| Deposit requirement | Varies by promotion | 0% options available |
| Multi-asset deals | Same brand assets only | Mixed fleets and brands |
| Advice obligation | No independent advice | Independent broker obligation |