Printer and MFD finance
Fund office multifunction devices outright rather than being tied into a print contract you cannot easily see the cost of.
Whole-of-market — 60+ lenders searched, including
Can you finance a printer and MFD?
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.
Used kit: 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.
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What would a printer and MFD cost per month?
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
How lenders treat 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.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| 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 |
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Who buys one
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.
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We publish the deals we arrange, with no client named and no rate quoted. See what we have funded in IT and office equipment.
How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Printer and MFD finance questions
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.
Get a quoteor call 0333 772 4864
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Get your quote
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.