CNC machine & manufacturing finance: Capacity before the contract starts.
Whether it’s one CNC machine or a full production line, we go to lenders who look at what it will earn, not just at your bank balance.
- Machines
- New or used
- Payments
- Can start lower
- Lenders on our panel
- 90+
The kit
Factory-floor kit our lenders finance.
Not a full list. If it earns its keep, there’s usually a lender for it.
- CNC machining centres 3, 4 and 5-axis
- Lathes & turning CNC and manual
- Press brakes & guillotines Hydraulic and electric
- Laser, plasma & waterjet Fibre and CO₂ lasers
- Injection moulding Presses and ancillaries
- Robotics & cobots Handling, welding, palletising
- Welding & fabrication MIG, TIG, positioners
- Compressors & extraction Air, dust, fume
- Inspection & metrology CMMs, scanners, gauges
- Cranes & handling Overhead, gantry, forklifts
The trade
What makes manufacturing different.
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A machine earns nothing while it’s being installed
Twelve weeks between delivery and full output is normal on a production line. Stepped payments (lower while you install and test, then level once you’re running) stop that gap coming out of your cash.
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Capital allowances are part of the decision
Capital allowances are the tax relief a business can claim on equipment it owns. With hire purchase you’re treated as the owner; with a lease you usually aren’t. Talk to your accountant, and we’ll give them the figures they need in the form they want.
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Imported machines take longer to arrive
Deposits to overseas suppliers, payments in stages and shipping all come before the machine earns. Some lenders will pay the supplier before delivery; most want the machine delivered first. Tell us the supplier and their terms early.
Funding routes
How manufacturing deals usually get funded.
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A machine or a production line: asset finance
Asset finance £5k–£10m · 1–7 years
New or used, with the cost spread over its working life.
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Tooling, materials or a one-off cost: business loans
Business loans £1k–£500k · 3 months–6 years
A loan over months or years, or cash from equipment you own.
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Customers on long payment terms: invoice finance
Invoice finance Up to 90% paid up front
Most of the money now, instead of waiting 60 or 90 days to be paid.
How it works
From first call to funds in three steps.
- A five-minute call What you need to fund, roughly how much and a little about you or the business. No paperwork up front. Day one
- We search the market We go to the lenders on our panel most likely to say yes, and bring back their early quotes side by side. Usually same day
- Sign and get funded Choose a quote and we handle the application. Once you sign, the lender pays out, to you or your supplier. Often within a week
Questions
What manufacturers ask us.
If yours isn’t here, ring us. You’ll get a straight answer from someone who knows the kit, not a script.
Often, if they’re on the supplier’s invoice with the machine. Software, training or installation billed on their own are harder to finance this way, and a business loan may suit them better.
With hire purchase, where you own the machine at the end, the VAT is usually paid at the start: with the deposit, or through a short VAT loan some lenders offer until you reclaim it. With a lease, it’s added to each payment instead. We’ll set out which applies before you sign.
Yes. Age affects how long you can spread the cost more than whether you can, and lenders may want an inspection on older machines. We arrange that with them.
Find out where you stand.
One short conversation with a whole of market broker, not tied to any lender. No fee to you, and no obligation.
Get a quote