A quality coffee setup is central to a café’s service and revenue. Sorbus Finance compares finance for espresso machines, grinders, counters, refrigeration, and other coffee shop equipment so you can invest without using all your cash upfront. The comparison can cover one machine or a complete supplier equipment schedule.
* Subject to credit.
We can look at complete café equipment schedules or individual assets, including commercial coffee machines, grinders, water systems, display refrigeration, counters, and back-of-house equipment.
Use monthly payments to protect cash for premises, staff, stock, marketing, and the first months of trading.
A supplier quote can often be reviewed as one equipment requirement, making it easier to plan a new café or refurbishment.
Compare ownership and lease routes according to how often you expect to refresh machines and customer-facing equipment.
The right option depends on whether ownership, monthly cost, flexibility, or regular replacement matters most to your business. We will explain the trade-offs before you apply.
Ownership-focused finance
With hire purchase, the finance company buys the asset and you make fixed monthly payments over an agreed term. Once all payments are made, ownership passes to you, usually after a nominal option-to-purchase fee.
Use the asset without owning it
With a finance lease, the lender retains ownership while your business pays to use the asset over the agreed term. At the end, you can usually extend the lease or sell the asset on the lender’s behalf and retain a share of the proceeds.
Useful for regular upgrades
An operating lease is generally shorter than the asset’s useful life. You return or replace the asset at the end of the term, which can suit equipment that needs regular upgrades. Your accountant can advise on the accounting treatment for your business.
Share the supplier quote, asset details, price, deposit preference, and how the coffee shop equipment will support your business.
We use the information to approach lenders whose criteria and asset appetite fit the application, rather than sending it everywhere.
We explain the available structure, costs, and conditions so you can decide whether the finance works for your business.
Send us your details and one of our advisers will call you back, usually within one business day. No obligation, no credit check.
Speak directly to an adviser Monday–Friday, 9am–5:30pm.
01246 383500Free call. No obligation.
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hello@sorbusfinance.co.ukSee wider guidance for funding fit-out, technology, and investment in customer-facing businesses.
Specialist Asset Finance Broker
Lewis works with businesses funding specialist equipment and helps turn supplier quotes into clear, financeable applications.
Meet LewisSpeak to a Sorbus Finance adviser about your asset, budget, and the finance structures available.