Product Category
Product TitleICE CREAM EQUIPMENT FOR BUSINESSES
Lease or finance your ice cream machine
The right machine. A clear monthly payment. Compare leasing and hire purchase for soft serve and gelato machines, ice cream display cases and other equipment.
Personal advice from Eistechnikcenter in Luckenwalde. Financing is subject to individual assessment.
01 / COMPARE YOUR OPTIONS
Use the machine or plan to own it?
The main difference is your goal at the end of the contract. A low monthly payment alone does not tell you which option suits your business.
Leasing
You use the machine in return for agreed payments. This does not automatically make you its owner.
- Focus: use over an agreed contract term.
- Cash flow: the full purchase price is not paid upfront. An initial payment may be required.
- End of term: return, extension or a possible purchase depend on the contract.
- Tax: treatment of payments depends on the contract and the tax allocation of the asset.
Hire purchase
You finance the purchase through instalments, with the aim of owning the machine once the contract has been fulfilled.
- Focus: keeping the machine in your business for the long term.
- Ownership: legal title passes according to the contract, usually after payment in full.
- Calculation: consider the deposit, term, instalments and any final payment together.
- Tax: the asset is generally economically allocated to the purchaser. Depreciation and financing costs must be considered separately.
02 / UNDERSTANDING THE PAYMENT
What could a €20,000 machine value mean per month?
The example below only explains the calculation. The factor is hypothetical and is not a current rate from a financing partner.
€380 net / month
€20,000 × 1.9% = €380
60 monthly payments total €22,800 net.
Net machine value
€20,000
Assumed term
60 months
Hypothetical monthly lease factor
1.9%
Initial payment in the example
€0
Total monthly payments, net
€22,800
Important: this is not a binding lease offer or a market interest rate. The lease factor is not an annual percentage rate. All amounts exclude VAT. Fees, insurance, maintenance and any purchase or additional payments at the end of the contract are not included in this payment total. Transfer of ownership is not promised.
Your actual payment may differ. It depends on the machine, contract type, term, initial payment, credit assessment and individual quotation.
03 / COMPARE TRANSPARENTLY
Your quotation should make these points clear
Payment and total cost
- Net machine price and exact scope of supply
- Term, number and amount of payments
- Initial payment, fees and VAT
- Residual value, final payment and end-of-term arrangements
Services and responsibilities
- Delivery, installation and instruction
- Maintenance, repairs and insurance
- Which services are included and which are charged separately
- Conditions for signing and handover
Always compare the full quotation. A lower monthly payment may involve a larger initial payment, a longer term or additional payments.
04 / FROM PLANS TO A QUOTATION
Three steps towards suitable financing
1. Choose equipment and its purpose
Tell us your preferred machine, whether new or used, its intended use, location and start date. We advise you on suitable equipment.
2. Have financing assessed
We discuss the term, any initial payment and your monthly budget. The financing partner assesses your documents and creditworthiness; approval is not guaranteed.
3. Review the quotation and decide
Review payments, total costs, included services and end-of-term conditions. After approval and signing, we arrange delivery and any agreed instruction with you.
For your initial enquiry, complete the form and briefly describe your plans. We will then clarify which additional documents are needed.
05 / CLEAR ANSWERS
Common questions about leasing and hire purchase
Can I enquire as a new business?
Yes. Describe your plans and intended start date. The financing partner decides whether financing is possible and which documents or security are required after an individual assessment.
Can used ice cream machines also be financed?
Suitable used machines can be submitted for assessment. Age, condition, value and the financing partner’s criteria matter. Approval is not guaranteed for every machine.
Do I own the machine after the final lease payment?
Not automatically. Leasing follows the agreed end-of-term arrangements. Hire purchase is intended to lead to ownership, subject to the specific contract terms.
Are maintenance and insurance included in the payment?
That depends on the quotation. Ask for included services and additional costs to be specified clearly. Financing alone is not a maintenance contract.
What does “tax deductible” mean?
Deductible business expenses reduce taxable profit; they do not reimburse the full payment. For leasing, deductibility depends on the contract and tax allocation. For hire purchase, depreciation and financing costs generally need separate treatment. Ask your tax adviser to review the specific quotation.
Tax information refers to Germany. Other countries have different rules.
Background: IHK guidance on leasing and hire purchase →Your machine. Your budget. The next step.
Use the form below to tell us which machine interests you, how you plan to use it and your monthly budget. We will prepare the basis for a personal quotation.
Prefer to talk? +49 3371 6897940