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    Distillery finance

    Tailored, flexible finance solutions to support the distillery industry.

    Whether you are looking to grow or expand your operations, or simply replace outdated assets, we can help you build the distillery you need to realise your business goals.

    What is equipment finance for distilleries?


    Equipment finance for distilleries provides access to essential equipment upfront, allowing businesses to manage their cashflow effectively by spreading the cost of their assets over time. Sutaible for established distilleries looking to expand and start-ups looking to set up their operations. This form of finance preserves working capital for greater flexability.


    We are committed to working closely with each distillery to understand their specific equipment needs and provide tailored financing solutions that support their growth and success in the industry.

    Equipment finance for distilleries includes:

    • Hire purchase
    • Finance lease
    • Refinance

    Gain ownership of the equipment after all payments

    With hire purchase (HP) your finance provider purchases the asset on your behalf and owns it until the final instalment is paid, at which point ownership can be transferred to you.

    Advantages of hire purchase:

    • Pay over time: Hire purchase allows you to spread the cost of equipment or machinery over time, without significant upfront investment.
    • Manage cash flow: Hire purchase can help manage cash flow more effectively by breaking down large payments into smaller, manageable instalments. This can be particularly beneficial for businesses that need to maintain liquidity for other operational expenses.
    • Preserve working capital: By opting for hire purchase, businesses can preserve working capital for other critical needs, such as inventory, payroll, or marketing. This can be especially useful for growing businesses that need to allocate funds across various areas.
    • Improve budgeting and planning: The fixed monthly payments associated with hire purchase agreements can make it easier to budget and plan finances. This predictability can help in long-term financial planning and forecasting.
    • Tax benefits: In some cases, businesses may be able to claim tax deductions on the interest payments and depreciation of the asset, making hire purchase a tax-efficient way to finance assets.

    Use the equipment while it remains the lender’s property

    Finance lease, also known as a capital lease or sales lease, is a type of commercial lease where your finance provider retains the legal ownership of an asset, and you agree to rent it for specific period of time.

    Advantages of finance lease:

    • No up front costs: There is no need for a large upfront payment. Payments can be spread out over time, making it easier to manage your cash flow.
    • Flexible payments: Rental repayments can be set to suit your cash flow, taking into account seasonal fluctuations in business.
    • Tax advantages: Benefit from tax deductions on lease payments and depreciation.

    Unlock capital from your existing assets

    Refinancing, also known as capital release, is an effective way to make your assets work for you and inject cash back into the business. It involves a finance company purchasing machinery or equipment and then financing it back to you. At end of the agreed term, you regain ownership of the asset.


    Whether you want to invest in additional assets, address other areas such as unexpected outgoings, growth or diversification, refinance can support your specific business goals.


    Refinance can also include taking over an existing finance agreement from another provider and extending the terms to reduce monthly payments and ease cash flow pressure.

    Advantages of refinance:

    • Extended terms: By extending the loan term, refinancing can lower your monthly payments, easing cash flow pressure.
    • Improved cash flow: Refinancing can free up cash that can be used for other business needs, such as investment in new assets or covering operational expenses.
    • Debt consolidation: Refinancing can consolidate multiple loans into a single loan, simplifying the repayment process and potentially reducing the overall costs.
    • Access to equity: By accessing the equity built up in your assets, you can gain additional funds for growth or other operational needs.

    • Hire purchase

      Gain ownership of the equipment after all payments

      With hire purchase (HP) your finance provider purchases the asset on your behalf and owns it until the final instalment is paid, at which point ownership can be transferred to you.

      Advantages of hire purchase:

      • Pay over time: Hire purchase allows you to spread the cost of equipment or machinery over time, without significant upfront investment.
      • Manage cash flow: Hire purchase can help manage cash flow more effectively by breaking down large payments into smaller, manageable instalments. This can be particularly beneficial for businesses that need to maintain liquidity for other operational expenses.
      • Preserve working capital: By opting for hire purchase, businesses can preserve working capital for other critical needs, such as inventory, payroll, or marketing. This can be especially useful for growing businesses that need to allocate funds across various areas.
      • Improve budgeting and planning: The fixed monthly payments associated with hire purchase agreements can make it easier to budget and plan finances. This predictability can help in long-term financial planning and forecasting.
      • Tax benefits: In some cases, businesses may be able to claim tax deductions on the interest payments and depreciation of the asset, making hire purchase a tax-efficient way to finance assets.

    • Finance lease

      Use the equipment while it remains the lender’s property

      Finance lease, also known as a capital lease or sales lease, is a type of commercial lease where your finance provider retains the legal ownership of an asset, and you agree to rent it for specific period of time.

      Advantages of finance lease:

      • No up front costs: There is no need for a large upfront payment. Payments can be spread out over time, making it easier to manage your cash flow.
      • Flexible payments: Rental repayments can be set to suit your cash flow, taking into account seasonal fluctuations in business.
      • Tax advantages: Benefit from tax deductions on lease payments and depreciation.

    • Refinance

      Unlock capital from your existing assets

      Refinancing, also known as capital release, is an effective way to make your assets work for you and inject cash back into the business. It involves a finance company purchasing machinery or equipment and then financing it back to you. At end of the agreed term, you regain ownership of the asset.


      Whether you want to invest in additional assets, address other areas such as unexpected outgoings, growth or diversification, refinance can support your specific business goals.


      Refinance can also include taking over an existing finance agreement from another provider and extending the terms to reduce monthly payments and ease cash flow pressure.

      Advantages of refinance:

      • Extended terms: By extending the loan term, refinancing can lower your monthly payments, easing cash flow pressure.
      • Improved cash flow: Refinancing can free up cash that can be used for other business needs, such as investment in new assets or covering operational expenses.
      • Debt consolidation: Refinancing can consolidate multiple loans into a single loan, simplifying the repayment process and potentially reducing the overall costs.
      • Access to equity: By accessing the equity built up in your assets, you can gain additional funds for growth or other operational needs.

    What equipment can be funded?


    We fund a range of specialist distillery equipment as well as equipment for brewing and other drinks production processes. This includes, but is not limited to the following:

    Dry Goods Handling

    Intake Conveyor, Weighing Equipment, Malt Silo, Transfer Conveyor, Screen, De-Stoner, Malt Mill, Grist Case, PLC Controls 


    Brewhouse

    Hot & Cold Liquor Tanks, Water Treatment Systems, Mashing (Blending) Valve, Mash Vessel, Cereal Cooker, Heat Exchanger, Automatic Valves, PLC Controls


    Fermentation

    Fermentation Vessel (Wash Back), Heat Exchanger, Yeast Dosing & Handling Equipment, Automatic Valves, PLC Controls, Associated Pipework

    Processing

    Stills, Spirit Safe, Spirit Receiver, Spirit Tank, Filtration System, Cross Flow & Membrane Filtration, Water Treatment Plant, Reverse Osmosis Plant, Cask Filling Equipment, Automatic Valves, PLC Controls, Associated Pipework


    Packaging

    Cask Disgorging Equipment, Blending Equipment, Bottle Filling Equipment, Labeller, Date Coder, Multipacker, Carton Errector, Palletiser, De-palletiser


    Services

    Steam generator of Steam Boiler, Glycol Refrigeration Unit, Air Compressor, Water Treatment Plant

    Call us on 0203 816 8599

    Speak to our brewery finance specialists today.


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