Print and copier equipment finance
Print and copier finance funds office multifunction devices, production printers, large-format and digital print equipment, usually structured around the cost-per-copy economics that dominate this market. Most office print is supplied on a lease bundled with a service and consumables agreement priced per page, so the finance and the running cost are tightly linked. The usual routes are operating lease for standard office copiers, which bundles servicing and toner into a per-copy charge, and hire purchase for owned print kit a business wants to keep. The equipment is the security, though the real commercial substance sits in the service contract behind it. For professional services offices, print and publishing firms, schools and healthcare sites, financing the device spreads the cost and bundles the maintenance, but the cost-per-copy contract often runs beyond the equipment term, so the exit and the true monthly cost need checking before signing.
At a glance
- Category
- Office
- Typical tickets
- £3,000 to £80,000
- Typical term
- 36 to 60 months
- Best finance type
- Operating lease standard for office printers (cost-per-copy bundles); HP for owned print kit.
How financing print and copier equipment works
The lender funds the device and you pay over a fixed term, often alongside a separate cost-per-copy service agreement covering toner, parts and engineer visits. On operating lease you return the device at the end; on hire purchase you own it. Because service and finance are usually bundled, the headline monthly figure can mask the true cost, so separate the equipment finance from the per-copy charge when comparing.
Typical terms
Terms commonly run 36 to 60 months. The cost-per-copy contract frequently extends past the finance term and can auto-renew, so the exit terms matter as much as the rate. Always check what happens at the end and whether you can switch supplier.
Who it suits
Professional services offices, print and publishing businesses, schools and education sites and healthcare practices with steady print volumes. Operating lease suits standard office copier needs; hire purchase suits firms that want to own production print kit.
What to check
- Cost-per-copy contracts, which often run beyond the equipment finance term.
- Service-and-finance bundles, which can mask the true monthly cost.
- End-of-term and auto-renewal clauses on the service agreement.
- Whether you can switch supplier without penalty at the end.
Why asset finance fits
Printer market is dominated by lease-bundled deals; finance is structured around cost-per-copy economics.
New to the structures? The guide to hire purchase, finance lease, operating lease and refinance explains how each route is taxed and accounted for, and the asset finance cost compare calculator puts them side by side on the same asset.
Top sectors
- Professional services offices
- Print and publishing
- Education
- Healthcare
Top UK lenders
- Manufacturer finance (Konica Minolta, Ricoh, Xerox, HP)
- Specialist print finance lenders
- Time Finance
Watch outs
- Cost-per-copy contracts often run beyond the equipment finance term; check the exit.
- Service-and-finance bundles can mask the true monthly cost.
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Open print and copier equipment finance eligibility checker →Last reviewed: 2026-04-26.