Food Production Equipment Finance

Food production equipment finance helps bakeries, ready meal makers, butchers and drinks producers add mixers, ovens, slicers and production lines on fixed monthly payments, so a new contract can be met without draining the bank.

From £1,000 with no upper limit
New and used production lines
Decisions usually within 24 hours

Price up your production line Talk through your project

Pasta production line with staff in white coats checking the process, typical of food production equipment

What food production equipment finance can cover

From a single spiral mixer to a complete processing hall, we arrange food processing equipment finance around the way your site actually runs. Cooking for diners rather than for retail? Our catering equipment finance page is the better fit.

Mixers and dough handling

Spiral and planetary mixers, dividers, moulders and provers for bakery and pastry lines.

Ovens and cooking systems

Rack, deck and tunnel ovens, kettles, fryers and continuous cookers for batch or flow production.

Slicing and portioning

Slicers, dicers, portion cutters and bandsaws for meat, cheese, bread and fresh produce.

Filling and depositing

Depositors, piston fillers and sauce and soup filling machines that keep portion weights consistent.

Chilling and freezing

Blast chillers, spiral freezers and cold rooms that protect shelf life once the product is made.

Refrigeration finance

Conveyors and handling

Stainless conveyors, tray handling and transfer systems that link one process to the next.

Inspection and safety

Metal detectors, X ray inspection, checkweighers and wash down kit that support your food safety plan.

Wrapping and labelling

Flow wrappers, tray sealers and labellers at the end of the line, often funded as one package.

Packaging equipment finance

Worker in a hairnet and white coat checking biscuits on a bakery production conveyor

Producers we help to scale up

Growth in food manufacturing usually arrives as a bigger order, a new retailer listing or a second shift. Food manufacturing equipment funded over a fixed term lets output rise before the extra revenue lands.

Craft and wholesale bakeries

Ovens, mixers and slicers as volumes climb.

Ready meal producers

Cooking, filling and chilling for retail packs.

Butchers and meat processors

Mincers, bandsaws and vacuum packers.

Dairies and ice cream makers

Pasteurisers, churns and freezing kit.

Sauce and condiment makers

Kettles, fillers and capping machines.

Snack and confectionery firms

Fryers, enrobers and seasoning drums.

Three ways to fund food manufacturing equipment

The right agreement depends on how long the equipment will earn for you and whether you want to own it outright. Producers planning a new line can read the HSE's guidance on health and safety in food and drink manufacture alongside the supplier's specification.

Hire purchase

Spread the cost of ovens, mixers and processing lines and own them after the final payment. A good fit for kit with a long working life.

Best for core production equipment you will keep for years.

How hire purchase works

Finance lease

Fixed rentals with no large deposit, and rentals are usually allowable against profit. Useful where technology moves quickly, such as inspection systems.

Best for metal detectors, checkweighers and control systems.

How a finance lease works

Sale and leaseback

Release cash from machinery you already own while it stays on the factory floor, then repay over an agreed term.

Best for producers funding stock or a new contract.

How sale and leaseback works

From supplier quote to first production run

New lines often hinge on a retailer's start date, so we keep each food production equipment application moving and tell you what lenders need at every stage.

Step 1

Share the quote

Send the supplier quote, including installation, commissioning and any trade in value.

Step 2

We match lenders

We present your application to lenders who understand food manufacturing and its seasonal peaks.

Step 3

Agree and sign

You choose the offer that suits your cash flow and sign online, often on the same day.

Step 4

Supplier is paid

The lender pays the supplier directly, so installation and staff training can go ahead.

Example: a bakery adding a second production line

A wholesale bakery has won a regional supermarket listing that needs twice its current output. A second line would mean a larger oven, a new mixer and a cooling and slicing section, which would empty its reserves if bought outright.

With food production equipment finance over five years, the line goes in before the listing starts, and each payment is met from the extra trade it supports. Bakeries with a short trading record can read about start up funding.

Rentals and interest are often allowable for tax, as our tax relief page explains, and the real cost of keeping old equipment covers why replacing a tired oven can pay for itself.

Work out your monthly cost

Typical second line package

Rack oven with steam£38,000

Spiral mixer£14,000

Divider and moulder£22,000

Cooling conveyor£16,000

Bread slicer and bagger£10,000

Total funded£100,000

These prices are illustrative only. Your actual monthly cost depends on the lender, the equipment chosen and the term agreed.

Food businesses we have funded

Producers and operators who used CLS to fund their kitchens and production sites.

Cafe M

The team behind Milligans Bakery funded equipment across their North East cafés and bakery sites.

Read the case study

Tavistock Hospitality

A hospitality operator that has funded catering equipment and even fermentation equipment with CLS since 2010.

Read the case study

Food production equipment finance questions

For more on deposits, eligibility and terms, see our full FAQs or call the team.

Useful downloads

Food production equipment brochure Benefits of leasing Leasing FAQs

Planning to grow output this year? Read equipment finance for growing UK businesses.

Can bakery equipment finance include installation?

Usually, yes. Delivery, installation and commissioning can normally be included when they appear on the supplier's quote, and the same applies to bakery equipment finance for a single deck oven.

Will lenders fund used food processing machinery?

Many will, especially for stainless equipment from established dealers or auctions. The term usually reflects the age and condition of each machine.

Can I fund equipment for a new food business?

Some lenders support new producers, particularly where the owners have industry experience or a confirmed customer. A clear plan and supplier quote help.

Does the finance cover my food safety systems?

Inspection kit such as metal detectors and checkweighers can be funded. Your HACCP plan remains your responsibility, and the government's guide to food safety management systems sets out what is expected.

Can I combine production and packing equipment?

Often, yes. A line that runs from mixing through to wrapping can sit on one agreement or be split, and manufacturing machinery finance covers engineering kit that supports the site.

What happens at the end of the agreement?

With hire purchase you own the equipment after the final payment. With a lease you can usually continue renting, return the kit or upgrade to newer food production equipment.

Ready to increase your production capacity?

Send us your supplier quote or a list of the kit you need.

We will find lenders for your food production equipment and reply within 24 hours.

Get my quote Call 0191 250 1550