SIEMENS FINANCIAL SERVICES UK


This was the case with one leading provider of food technology solutions. The company approached Siemens Financial Services (SFS) to get an idea of how it could use financing to ramp up growth plans. By protecting working capital, operators can focus on service improvements, expansion and innovation. Tailored and flexible financing allows the adoption of new technology at a pace that supports cash flow – particularly important as vending machine operators respond to customer expectations for connected, contactless and data-rich vending solutions. Finance also gives operators a mechanism to integrate service packages, maintenance plans or higher‑specification machines into a single, affordable solution. Vending operators that have a clear insight into their


own processes, such as invoicing and decision‑making, benefit the most from a solid understanding of available financing solutions – allowing them to look beyond traditional CAPEX, and to work effectively with a credible finance partner.


WHAT TO LOOK FOR IN AN EXPERT FINANCE PARTNER At SFS, we have a tried and tested formula for working with the vending industry, based on our sector footprint and effortless processes.


Sector footprint In‑depth industry understanding allows specialist financiers like SFS to tailor solutions to the product and specific cash flow requirements. Given that business models differ in the vending industry – e.g. an operator may be a catering company or a facilities management provider – this sector knowledge is essential in discussions. A financier with years of experience working in vending, and


who regularly works with other companies in the field, can apply their deep, accumulated knowledge to the benefit of partners. A relationship with such a financier, based on transparency and trust, can only strengthen sales pipelines and competitiveness.


A supportive finance partner will also provide training sessions


that explore the range of available options, alongside ongoing guidance and refresher sessions to support continuous upskilling.


Effortless processes The easier the processes, the more transformational integrated finance can be. Easy‑to‑use digital systems should be the minimum expectation, to facilitate the provision of rental pricing to a customer, support the proposal of a finance application, and manage agreement creating and signing. At SFS, our digital platform can deliver automated decisions


to partners in under one minute. This covers over 70% of credit decisions. Our reliable same day payout service delivers, on average, >90% same day payouts, with three payment runs every day. That doesn’t mean everything has to be digital. For complex or


larger deals requiring verbal approval, dedicated support from SFS’s Account Manager and customer service team ensures prompt and personalised assistance.


FUTURE READY AVA CEO, David Llewellyn, concludes that, in vending, “Our success will rest on staying engaged, making informed choices and continuing to invest in technology, people and skills.”iii


Smart


financing can help both manufacturers and operators to confidently take those steps.


About Kathryn Vassilissin Kathryn Vassilissin is Sales Manager for the vendor channel at Siemens Financial Services UK. She has over 20 years of experience in sales, account management and vendor finance, including 11 years at SFS UK. Connect with Kathryn on LinkedIn.


To find out more about how Siemens Financial Services can support your business. email the team at vfsalesuk@sfs.zendesk. com or call 0161 446 5056.


i ii iii


AVA: The Vending & Automated Retail Association, AVA 2025 Review https://www.the-ava.com/news/ava-2025-review/ ibid


AVA: The Vending & Automated Retail Association, AVA 2025 Review https://www.the-ava.com/news/ava-2025-review/


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