Besides an outright purchase, you can also finance your vending machine through leasing or hire purchase — for example via the Finyo platform. Both models let you pay in convenient instalments over 24 to 60 months and help protect your liquidity. Which option suits you best depends above all on your company structure and your current situation.
Hire purchase
Hire purchase is particularly suitable if your company already exists (as a rule for at least a year).
Basic principle
-
Comparable to a classic instalment purchase
-
The machine belongs to you at the end of the term
Tax treatment
-
VAT is due directly on conclusion of the contract
-
For tax purposes the model counts as a sale with instalment payment
-
The machine is carried as a fixed asset on your balance sheet
When does it make sense?
Hire purchase fits well if you:
-
want to build up ownership
-
already have a certain operating history
-
are planning for the long term
Leasing
Leasing is often the more flexible solution — particularly for newly founded companies.
-
The leasing company remains the owner of the machine
-
You use the machine against monthly instalments
Advantages
-
Leasing instalments are generally fully deductible as operating costs
-
No capitalisation on your balance sheet required
-
A purchase option is usually possible after the term (typically around 3–5 % of the original purchase price)
Leasing is particularly suitable if you:
-
want to protect your liquidity
-
want to stay flexible
-
are in the build-up phase
Documents required
For financing via Finyo you will generally need:
-
a completed self-disclosure form (PDF)
-
business registration
-
business management analysis (BWA) or a current financial overview
Submission is quick and straightforward via an online form with an upload function.
👉 Enquiry form: https://tally.so/r/81qbbk
Conclusion
Whether purchase, leasing or hire purchase — each option has its place. Choose a solution that fits your current situation and lets you build your business stably and efficiently.
