Printer and MFD finance
Fund office multifunction devices outright rather than being tied into a print contract you cannot easily see the cost of.
- FCA regulatedAppointed Representative, FRN 1031964
- 60+ lendersWhole-of-market panel, not one bank
- 5.0 from 19 Google reviews
- No credit checkEnquiring leaves no mark on your file
Yes, and office print is one of the most financed assets in the country. A multifunction device is a large, serial-numbered machine that stays in the corridor where it was installed, and there is an established refurbished trade, so funders are comfortable with it. Most are written on lease or hire purchase in the ordinary way. Used devices are sometimes funded where supplied by an established dealer. The sticking point is the service and click charge: the toner, parts and maintenance are billed separately per page, and that contract runs alongside the finance, not within it.
Who finances this
Professional firms, schools, healthcare practices and local employers replacing devices that jam constantly or have fallen out of support. The trigger is often the end of an existing arrangement with a print supplier, a move to new premises, or a review that reveals what the current per-page arrangement actually costs. Businesses with confidentiality obligations also replace devices to gain secure release printing so documents are not left in the tray.
How lenders see it
Office print is familiar territory and I fund it readily. The machines are heavy, wheeled into position and left there, they carry serial numbers and meter readings, and a whole dealer industry exists to refurbish and redeploy them. That is far more comfort than I get from most IT. My caution is around the service contract. A device without toner and maintenance is scrap, so if the supplier relationship breaks down the asset stops being usable, and I have seen deals where the finance was sound but the supplier was not. I therefore look at who is providing the machines as well as at your accounts, and I pay attention to how volume commitments are structured.
Buying used
Yes, frequently. Refurbished copiers with verified meter readings are traded actively through dealers, and several funders will consider them, particularly where the same dealer provides ongoing service.
Also in IT and technology finance
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Machines we have funded
Typically £2,095–£5,295 + VAT to buy. New Sharp A3 colour office multifunction devices bought outright from a UK dealer, entry 26ppm to 55ppm class.Checked 2026-10-18.
| Ricoh IM C3010 | A3 colour multifunction device |
|---|---|
| Ricoh IM C series devices | Colour multifunction devices for offices |
| Konica Minolta bizhub C450i | A3 colour multifunction device |
| Konica Minolta bizhub C300i | Mid-volume colour multifunction device |
| Canon imageRUNNER ADVANCE DX C3835i | A3 colour multifunction device |
| Xerox VersaLink C7100 series | A3 colour multifunction devices |
| Xerox AltaLink C8100 series | Higher volume A3 colour devices |
| Kyocera TASKalfa MA4000ci | A4 colour multifunction device |
| Sharp BP-70C series | A3 colour multifunction devices |
| HP Color LaserJet Enterprise MFP | A4 colour multifunction device |
What is the difference between financing a copier and taking a print contract?
A finance agreement buys the machine and is separate from the service. A bundled print contract wraps hardware, toner and maintenance into one per-page charge, which can be convenient but makes the equipment cost hard to see. We can arrange finance for the device so you negotiate the service element on its own merits.
Can toner and servicing be included in the finance?
Generally not, and for good reason. Consumables and maintenance are consumed as you print, so they are billed by meter reading rather than financed. The exception is an initial supply of toner included with the machine. Everything after that belongs in your service agreement with the supplier.
We are tied into an existing agreement. Can it be settled early?
Sometimes, and suppliers often offer to absorb a settlement into a new arrangement. Be careful with that, since the balance does not disappear. It is usually built into the new commitment. Ask for the settlement figure in writing and let us show you what the combined position really looks like.
Are copiers easier to finance than other IT?
Yes, distinctly. They are heavy, static, individually identifiable and supported by a mature refurbished market with meter readings that prove usage. Funders have decades of experience with the asset class. It is one of the few technology purchases where the equipment itself genuinely contributes to the lending decision.
Can we fund devices across several offices on one agreement?
Yes. An estate-wide replacement programme is straightforward to document, with a schedule listing each machine and its location. Funders are comfortable with equipment spread across sites provided the addresses are recorded, and consolidating the request usually improves both the pricing and the process.
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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An enquiry is a conversation, not an application. Nothing runs against your file until you tell us to go ahead.
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Conor reads every enquiry himself. We will call you within 24 business hours, and it will be the person who actually arranges the finance, not a call centre, and not a form that disappears.
A real person on your side
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
Thinking about printer and MFD finance?
A few questions, and we will tell you what the panel can do. No obligation, and no call centres.
