Espresso machine finance
A traditional espresso machine is the most profitable square metre in any cafe, and one of the few purchases that repays itself in a handful of cups a day.
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Yes, and it is one of the most common hospitality requests we see. Commercial espresso machines are funded as equipment on hire purchase, so the machine is yours at the end, or on a lease if you prefer to upgrade sooner. Used machines from specialist dealers are fundable. The thing worth understanding is the free-on-loan model. Roasters will place a machine at no cost against a bean supply agreement, and the price per kilo across that agreement usually exceeds what the machine would have cost you to own.
Who finances this
Independent coffee shops opening or upgrading from an entry-level machine, restaurants and hotels where a poor flat white undoes an otherwise good meal, bakeries adding a coffee offer, and roasters fitting out their own bar. The trigger is typically a quality decision: a barista who cannot get consistent shots from an ageing two-group, or a site whose coffee volume has outgrown the boiler recovery on the machine it started with.
How lenders see it
Espresso machines are one of the genuinely strong assets in hospitality. La Marzocco in particular holds value remarkably well, there is an established global used market, machines are serial numbered, and a funder can realistically recover and resell one. That makes them easier to place than most catering kit. The sector caution still applies, coffee shops open and close at a rate underwriters track, so filed accounts, time trading and bank conduct matter, and a first site usually needs a director guarantee. Installation is light, which helps: a machine, grinder and water filtration make up nearly the whole invoice, with very little unrecoverable labour compared with a full kitchen fit-out.
Buying used
Yes. Reconditioned espresso machines are widely funded, particularly premium brands, provided a specialist has rebuilt the groups and boiler and can supply a warranty and serial number.
Also in catering and hospitality finance
See everything we fund in catering and hospitality finance →
Funding a seasonal trade
Flowzo funds restaurants, pubs and cafes against card takings rather than filed accounts, useful when the kit is bought and the quiet months still have to be covered.
Machines we have funded
Typically £2,167–£3,881 + VAT to buy. Traditional one, two and three group espresso machines with 5 to 12 litre boilers.Checked 2026-10-18.
| La Marzocco Linea PB 2 group | Two-group traditional espresso machine |
|---|---|
| La Marzocco Linea Mini | Compact single-group espresso machine |
| La Marzocco KB90 | High-volume machine for busy counters |
| Sanremo Cafe Racer | Multi-boiler traditional espresso machine |
| Sanremo YOU | Volumetric espresso machine for speciality bars |
| Victoria Arduino Black Eagle VA388 | Gravimetric espresso machine for high volume |
| Victoria Arduino Eagle One | Energy-efficient traditional espresso machine |
| Fracino Contempo | British-built traditional espresso machine |
| Fracino Romano | Compact British-built espresso machine |
| La Spaziale S40 Suprema | Multi-boiler machine for speciality coffee |
Is a free machine from a roaster better than financing my own?
Compare the total cost, not the headline. A loaned machine is paid for through the bean price, usually with a minimum kilo commitment over several years, and you never own it. Funding your own machine means you choose your roaster, change when the coffee stops being good, and keep an asset with real resale value at the end.
Can I finance a machine and grinder together?
Yes, and you should, because a grinder alone is usually too small a ticket to fund and it is the component that most affects cup quality. One schedule listing the machine, the grinders and the water filtration gives the funder a sensible facility and leaves you with one payment covering the whole bar setup.
Do used La Marzocco machines qualify for finance?
Generally yes, and they are among the easier used catering assets to place because the brand holds its value and a funder can see a resale route. What matters is provenance: buy from a specialist who has rebuilt the machine and can document it, rather than from a closing cafe with no history and no warranty.
Can a brand new coffee shop get espresso machine finance?
Often, but it is underwritten on you. Expect a personal guarantee, questions about your background in coffee or hospitality, a signed lease and a sensible view of projected volumes. Choosing a recognised brand helps, because the funder knows the machine is worth something even if the shop does not work out.
Is water filtration part of the finance?
Usually yes when it is on the same invoice, and it is worth including because scale is what kills espresso machines. Filter heads and softener systems supplied with the machine sit on the agreement without difficulty. Replacement cartridges are consumables and belong in your running costs rather than on a finance schedule.
Tell us what you need
About a minute of plain questions, and no documents to dig out.
Prime is established and profitable with clean credit. Specialist covers newer businesses and credit that needs explaining, the asset carries part of the risk, so finance is often available where an unsecured loan is not.
Illustrative only, not a quote, a flat rate is not an APR, so the APR on a given agreement will be higher. VAT and fees excluded.
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One adviser from your first enquiry to the money in your account. No call centres.
Your adviser
Conor HullMon to Fri, 9am–6pm
5.0 from 19 Google reviews
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