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    Winery finance

    Tailored, flexible finance solutions to support the winery industry.

    From expanding production to upgrading legacy equipment, we can help you design and build a winery that supports quality, efficiency and long-term growth.

    What is equipment finance for wineries?


    Equipment finance for wineries helps you manage cash flow by giving you access to essential winemaking equipment upfront, while spreading the cost over time. Ideal for wineries looking to expand production or upgrade facilities, it allows you to preserve working capital for day-to-day operations and future investment.


    We take the time to understand the unique needs of each winery, working closely with you to provide tailored finance solutions that support sustainable growth and long-term success.


    Speak to an expert >

    Equipment finance products for wineries

    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?

    Call us on 0203 816 8599


    Speak to our winery finance specialists today.


    Speak to an expert >

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