Hire Purchase vs Finance Lease: Printing Presses & Finishing

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Printing Business Loans: Compare Fast Funding Options for UK Print Firms

Summary: Printing businesses face rising material and energy costs, long invoice cycles and opportunities to invest in new digital presses or sustainability upgrades. Fast Business Loans helps UK printing firms secure funding from £10,000+ by matching you, free and with no obligation, to the lenders and brokers best suited to your needs. Complete a quick enquiry to get a Free Eligibility Check and receive tailored quotes. Free Eligibility Check

Offset printing press in UK print shop

Our Business Finance Matching Process

Step 1

Complete Your Details

It takes just 1 minute on average to complete your business and contact details.

Step 2

We Match Your Business

With the best business finance broker or lender most suitable for your needs.

Step 3

You Get Free Quote + Advice

You receive a free quote along with complimentary expert financial advice.

It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.

Why UK Printing Companies Seek Finance in 2024–25

The UK printing sector is adapting quickly — rising paper, ink and energy costs are squeezing margins, while demand for packaging and short-run digital print is growing. Many printing businesses need funding to:

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  • Purchase or upgrade presses (digital, inkjet or flexo)
  • Stock raw materials for large runs
  • Bridge long invoice payment cycles and seasonal peaks
  • Invest in sustainability (energy-efficient presses, eco inks, solar)
  • Refurbish premises or expand capacity

Common Funding Challenges Printing Firms Face

Here’s the kicker: even profitable print firms can struggle to get the right finance because lenders need sector knowledge and correct security structures.

  • Large upfront costs for materials and press deposits
  • Long debtor days — invoices paid on 30–90+ day terms
  • Equipment can be specialised and costly to value
  • Seasonal cashflow swings and short lead times

Get Quote Now — it takes under 2 minutes to start comparing options.

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Finance Solutions Available for Printing & Packaging Businesses

Different needs call for different products. Below is a practical comparison to help you decide what to explore first.

ProductIdeal forTypical termOwnershipSecurity
Working capital / Business loanShort-term cash flow gaps1–5 yearsN/AUnsecured or asset-secured
Asset finance / Hire Purchase (HP)Buying new or used presses2–7 yearsOwned after final paymentAsset as security
Lease / Operating leaseShorter-term use, upgrade cycles1–5 yearsNo (lessor owns)Lessor balance-sheet
Invoice financeUnlock unpaid invoicesRevolvingN/ABased on debtors
Commercial mortgage / refinancePremises purchase or consolidation5–25 yearsOwnership retainedProperty security
Green / sustainability financeEnergy efficiency upgradesVariesVariesOften project-linked

If you want specialist guidance on printing equipment, check our dedicated printing business loans information here: printing business loans.

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How Fast Business Loans Matches Printing Firms with Trusted Lenders

Fast Business Loans is a free introducer — we do not lend. Instead, we use a simple four-step process designed for speed and relevance:

  1. Quick enquiry: Tell us a few business details, what you need and approximate values (under 2 minutes).
  2. Smart match: Our system and advisers select brokers/lenders from our panel who specialise in print, asset or invoice finance.
  3. Rapid response: Matched partners contact you to discuss terms, pricing and next steps.
  4. Compare & decide: Review offers and proceed with the provider you choose.

Get Quote Now — there’s no obligation and no impact on your credit score for submitting an enquiry.

Eligibility Checklist for Printing Business Loans

Preparing information before you apply speeds up matching and increases the chance of relevant quotes.

  • Limited company details (registration, trading address)
  • Trading history (management accounts or VAT returns)
  • Annual turnover and forecast figures
  • Details of assets to be financed (make, model, age)
  • Existing liabilities and monthly repayments
  • Copies of major customer contracts (if available)
DocumentWhy it’s neededTip
Latest management accountsShow trading performanceInclude YTD P&L & balance sheet
Supplier & customer contractsEvidence of recurring revenueHighlight long-term buyers
Asset specificationFor valuation & HP/lease structuringProvide photos for used equipment

Costs, Terms & Repayment Expectations

Costs depend on product, lender and risk profile. Typical expectations (indicative only):

Our Business Finance Matching Process

Step 1

Complete Your Details

It takes just 1 minute on average to complete your business and contact details.

Step 2

We Match Your Business

With the best business finance broker or lender most suitable for your needs.

Step 3

You Get Free Quote + Advice

You receive a free quote along with complimentary expert financial advice.

It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.

Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote

Our Business Finance Matching Process

Step 1

Complete Your Details

It takes just 1 minute on average to complete your business and contact details.

Step 2

We Match Your Business

With the best business finance broker or lender most suitable for your needs.

Step 3

You Get Free Quote + Advice

You receive a free quote along with complimentary expert financial advice.

It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.

  • Working capital/business loans — interest and arrangement fees; terms 1–5 years.
  • Asset finance — structured repayments often aligned to asset life; HP may include deposit or balloon payments.
  • Invoice finance — fees or discount rates charged against invoices; flexible, revolving facility.

Any finance arranged is subject to status and the lender’s terms. Completing an enquiry does not guarantee approval — always check affordability and terms carefully.

Free Eligibility Check — let our partners provide indicative costs tailored to your business.

Real-World Scenarios & Case Snapshots

Digital Print Studio, Manchester

Challenge: Upgrade to a new digital press to capture packaging jobs.

Solution: Asset finance (HP) for £75,000 with 4-year term.

Outcome: Increased capacity and improved margins within 6 months.

Commercial Printer, Southampton

Challenge: Cashflow constrained by 60-day invoice terms.

Solution: Invoice finance facility to unlock 85% of invoice value.

Outcome: Immediate working capital and avoided late supplier payments.

Illustrative examples only.

Tips to Strengthen Your Application

  • Keep management accounts up to date — lenders ask for recent figures.
  • Document major clients and repeat orders to show income stability.
  • Provide full asset specs and photos for used equipment funding.
  • Consider a broker if you have complex security arrangements or previous refusals.

Application Timeline: From Enquiry to Funds

  • Day 0: Submit quick enquiry (<2 minutes).
  • Day 0–2: Matching and initial contact from lenders/brokers.
  • Day 3–10: Documentation, valuation (if asset finance), underwriting.
  • Day 7–21+: Funding — speed varies by product and security.

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Frequently Asked Questions

Can I fund a second-hand printing press?
Yes — many funders will support used or refurbished equipment, subject to valuation and age limits.
Will applying affect my credit score?
No — our enquiry does not show on your credit file. Lenders may perform checks later if you proceed.
What if I’ve been turned down elsewhere?
We work with a broad panel. Different lenders have different risk appetites — you may still find a solution.
How quickly could funds arrive?
Depends on product — unsecured cashflow can be fastest, asset finance needs valuations and paperwork.
Do you give financial advice?
No. Fast Business Loans introduces you to lenders and brokers who provide quotes and advice. We do not provide regulated financial advice.

Get Started: Free Eligibility Check for Printing Finance

If your printing business needs working capital, a new press, invoice funding or sustainability investment, our free matching service can connect you with the right lenders and brokers. Completing the form does not affect your credit score and carries no obligation.

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Free Eligibility Check

Important: Fast Business Loans is an introducer and not a lender. We do not provide financial advice. Any finance arranged is subject to status, lender terms and conditions and affordability checks. Submitting an enquiry does not guarantee approval.

– What types of finance are available for UK printing businesses? We connect you with working capital/business loans, asset finance/hire purchase, leasing, invoice finance, commercial mortgages and green/sustainability funding tailored to UK printing and packaging firms.

– What loan sizes can you help arrange for print firms? For printing businesses we typically match funding from around £10,000 upwards, with potential for multi‑hundred‑thousand or multi‑million facilities subject to status.

– How fast can I get funding for my printing company? Unsecured cashflow and invoice finance can be agreed in days, while asset finance and property‑backed options usually take longer due to valuations and underwriting.

– Will submitting your enquiry affect my credit score? No—our quick eligibility enquiry is a soft process and won’t affect your business credit score; checks only occur if you proceed with a lender.

– Is the enquiry an application, and am I obliged to proceed? No—the form is an enquiry (not a full application) and there’s no obligation to go ahead with any offer.

– Can I finance a second‑hand or refurbished printing press? Yes—many lenders will fund approved used or refurbished presses, subject to age, condition and valuation.

– Are you a lender, or who provides the finance? Fast Business Loans is an introducer, not a lender, and we connect you with trusted UK brokers and lenders who provide the finance directly.

– What documents do I need for printing business finance? Most lenders ask for recent management accounts, turnover and forecasts, equipment specs (make/model/age), details of existing liabilities, and key contracts where available.

– Do you help start‑ups or firms previously declined elsewhere? Yes—because lenders have different criteria, start‑ups and businesses previously declined may still find suitable options through our panel.

– What security and costs should I expect? Asset finance is typically secured on the press/equipment, invoice finance on receivables, working capital loans may be unsecured or require extra security, and pricing/repayments vary by product and risk profile.

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