[{"data":1,"prerenderedAt":208},["ShallowReactive",2],{"guides-en-US-leasing-vs-buying-roastery-equipment":3},{"kind":4,"guide":5,"categorySlugs":200},"guide",{"key":6,"slug":6,"category":7,"order":8,"schema":9,"title":10,"seoTitle":11,"description":12,"excerpt":13,"keywords":14,"published":22,"updated":22,"readingMinutes":23,"cover":24,"related":27,"body":53,"faq":111,"products":118,"sources":127,"locale":132,"sourceHash":133,"translated":134,"paths":135,"slugMap":144,"categorySlug":199},"leasing-vs-buying-roastery-equipment","equipment",30,"Article","Leasing, hire purchase or buying roastery equipment","Leasing vs Buying Coffee Roastery Equipment","Leasing, hire purchase, loans or cash for a coffee roaster: total cost, ownership, tax treatment, cash flow and what lenders ask for.","Paying cash for a roaster is cheapest on paper and riskiest for cash flow. How leasing, hire purchase and loans compare, and how to work out the real cost of each.",{"primary":15,"secondary":16,"intent":21},"leasing coffee roasting equipment",[17,18,19,20],"coffee roaster finance","hire purchase coffee roaster","asset finance roastery","lease vs buy equipment","commercial investigation","2026-10-09",6,{"figure":25,"kicker":26},"Lease?","Finance",[28,37,46],{"key":29,"slug":29,"category":30,"title":31,"excerpt":32,"readingMinutes":33,"updated":22,"cover":34},"coffee-roastery-startup-costs","starting","How much does it cost to start a coffee roastery?","The roaster is the biggest line, but installation, extraction, stock and three months of running costs usually add as much again. A line-by-line budget, with a worked example you can copy.",8,{"figure":35,"kicker":36},"14 lines","Startup costs",{"key":38,"slug":38,"category":39,"title":40,"excerpt":41,"readingMinutes":42,"updated":22,"cover":43},"roastery-cash-flow","running","Cash flow in a roastery: green coffee, credit terms and growth","You pay for green coffee weeks or months before a cafe pays you for the roasted result. Here is where the cash goes, the forecast that shows it early, and the levers that bring it back.",7,{"figure":44,"kicker":45},"13 weeks","Cash flow",{"key":47,"slug":47,"category":7,"title":48,"excerpt":49,"readingMinutes":23,"updated":22,"cover":50},"new-vs-used-coffee-roaster","New or used coffee roaster: weighing the risk","A used roaster can halve the biggest line in your budget. It can also arrive with a warped drum, an obsolete control board and no one to fix it. How to decide.",{"figure":51,"kicker":52},"New\u002Fused","Roasters",[54,56,58,90,92,94,96,98,100,102],{"p":55},"A roaster can be paid for with cash, a loan, hire purchase or a lease. The choice decides how much cash you keep for green coffee, who owns the machine, and how it is treated for tax. It also applies to the espresso machines and grinders you place in cafes.",{"h2":57},"The options",{"table":59},{"head":60,"rows":64},[61,62,45,63],"Option","Ownership","Watch for",[65,70,75,80,85],[66,67,68,69],"Cash","Yours from day one","Large outflow at the start","Leaves less for stock and slow months",[71,72,73,74],"Business loan","Yours; the loan may be secured","Spread over the term","Personal guarantees, early repayment terms",[76,77,78,79],"Hire purchase","Yours after the final payment","Deposit plus monthly payments","Balloon payments, total interest",[81,82,83,84],"Finance lease","The lessor owns it; you use it for most of its life","Monthly payments","End-of-term options, who insures and maintains",[86,87,88,89],"Operating lease or rental","The lessor owns it; return at the end","Monthly payments, often including service","Higher total cost; less freedom to modify",{"h2":91},"Compare the real cost",{"p":93},"For each quote, add every payment, the deposit, fees and any final payment, then subtract what the machine would be worth to you at the end if you own it. Ask each provider for the APR or the implicit interest rate so you can compare like with like.",{"h2":95},"Tax",{"p":97},"Tax treatment differs between owning (capital allowances on the asset) and leasing (lease payments usually deducted as an expense, depending on the lease type). The Annual Investment Allowance can let businesses deduct the full cost of qualifying plant and machinery in the year of purchase, up to the allowance limit. The rules depend on the structure of the deal and your business; ask your accountant before signing.",{"h2":99},"Equipment you place with customers",{"p":101},"Many roasteries lend or lease espresso machines and grinders to wholesale cafes. Treat these as a business line: a written agreement, a minimum coffee volume or a rental, who services it, and how you recover it if the account ends. See [cafe account terms](guide:cafe-wholesale-account-terms).",{"checklist":103,"title":110},[104,105,106,107,108,109],"Total cost over the term, all fees included","Who owns it at the end, and at what price","Who insures and services it","Early settlement terms","Personal guarantee required or not","VAT on payments and whether you can reclaim it","Read every quote for",[112,115],{"q":113,"a":114},"Is it better to lease or buy a coffee roaster?","Buying is usually cheapest overall; leasing or hire purchase protects cash. Many new roasteries finance the roaster and keep cash for green coffee and working capital.",{"q":116,"a":117},"Can I lease a used roaster?","Some finance providers fund used equipment, often with shorter terms. Expect them to ask for an inspection or valuation.",[119,123],{"target":120,"label":121,"note":122},"page:leasing","Roastnet leasing","Track leases you take and equipment you lease to cafes.",{"target":124,"label":125,"note":126},"page:portal","Cafe portal","Cafes see their equipment, orders and invoices.",[128],{"name":129,"title":130,"url":131},"GOV.UK","Capital allowances: Annual Investment 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