Heat press finance
Clamshell, swing-away and automatic shuttle heat presses funded for decorators applying transfers, vinyl and sublimation at commercial volume.
Whole-of-market — 60+ lenders searched, including
Can you finance a heat press?
Usually yes, though the honest answer depends on the size of the machine. Large automatic shuttle and double-station presses are funded as hard assets on hire purchase with no difficulty. Smaller manual clamshells often fall below the value at which a funder will open a standalone agreement, so they are typically bundled with a cutter or printer on the same order. Second-hand presses are fundable and they age slowly, since a heated platen and a frame have very little to go wrong.
Used kit: Yes — used presses fund readily and machines eight to ten years old are still considered, with platen flatness and even heat the things that matter.
Get a quoteor call 0333 772 4864
What would a heat press 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
Heat presses are honest, simple security. Steel frame, heated platen, straightforward pneumatics on the automatics, and a second-hand market that clears stock steadily. Values hold reasonably because the technology has barely changed in years. Nothing about them becomes a fixture, so tenancy is a non-issue. Transfer paper, vinyl, film, adhesive powder and Teflon sheets are all consumables and sit outside the agreement. The whole question with this asset is scale: a funder needs a deal size worth documenting, so a single small press is normally added to a larger purchase rather than financed alone. Declines are about deal economics, not about the machine or the sector.
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 |
|---|---|
| Stahls Hotronix Fusion IQ | Swing away press for transfers and vinyl |
| Stahls Hotronix Auto Clam | Automatic clam press for quick garment work |
| Stahls Hotronix Air Fusion IQ | Air operated press for steady daily output |
| Adkins heat presses | British built presses for garment decoration |
| Adkins Studio Press | Swing away press for small workshops |
| George Knight DK20S | Swing away press for transfers and sublimation |
| George Knight DK16 | Compact clam press for light garment runs |
| Secabo TC7 Smart | Bench press with touch control for small shops |
| Secabo TC5 Smart | Entry level press for start up decorators |
Get a quoteor call 0333 772 4864
Who buys one
Commonly a teamwear or workwear supplier whose single clamshell has become the bottleneck on a school or club order that has to ship by a fixed date. Also sublimation businesses moving from mugs and mousemats into garments and panels, and DTF users who bought the printer first and then discovered the press they had was not up to production pressing.
Get a quoteor call 0333 772 4864
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.
Heat press finance questions
Is one heat press enough to open a finance agreement?
Often not by itself. Funders have a minimum they will write, and a single manual press usually sits below it. The practical route is to order it alongside the printer, cutter or second press you also need and fund the whole quotation together.
Do I need to be VAT registered?
No, but it changes how the VAT is handled. A VAT registered business normally pays the VAT on a hire purchase at the start and reclaims it. If you are not registered, the VAT has to be funded or paid, so tell us at the outset and we will structure it accordingly.
Are automatic double-station presses treated differently?
Yes, more favourably. They carry a higher value, a clearer serial identity and a stronger resale market, so they comfortably clear the minimum deal size and are straightforward to fund as a standalone asset. They are also easier to justify commercially on a production floor.
Can I fund used equipment from a private seller?
It is possible but harder. A funder wants proof the seller owns the machine outright, a proper invoice and ideally an inspection. Buying from a dealer removes most of those obstacles and usually brings a warranty, which underwriters weigh in your favour.
What if the press is for a side business I run alongside a job?
That is workable but be straightforward about it. Underwriters look at the trading entity and its income, so a part-time operation with limited accounts will lean more on the directors and possibly on a personal guarantee. Being upfront means we approach lenders who work with smaller operators.
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.