New and used machinery funded across manufacturing, engineering and production — from a single machine to a full line.
Whole-of-market — 60+ lenders searched, including
Machinery is the asset class hire purchase was built for. A good machine works for twenty years, holds its value, and can be identified by serial number — which is why lenders will advance more against it, over longer terms, than against almost anything else a business buys. We arrange machinery finance across manufacturing and engineering, new and used, UK-supplied or imported, through a panel of 60+ lenders including specialists who do nothing else.
Every asset has its own page: how lenders treat it, what buyers specify, the questions people ask, and what we have actually funded.
| Asset | What it covers | Page |
|---|---|---|
| Digital printing press | Sheetfed toner and production inkjet presses funded for commercial printers, in-plant departments and photo book producers,… | Read the guide |
| Litho press | Four, five and eight colour sheetfed offset presses funded for trade and commercial printers, including relocation,… | Read the guide |
| UV flatbed printer | Flatbed and hybrid UV printers funded for sign makers, display producers and industrial decorators moving rigid… | Read the guide |
| Roll to roll printer | Latex, eco-solvent and resin roll printers funded for sign makers, wrap shops and soft signage producers… | Read the guide |
| Vinyl cutter | Production vinyl cutters and plotters funded for sign makers, wrap installers and garment decorators, on their… | Read the guide |
| Laminator | Roll and flatbed laminators funded for sign makers and print finishers who need protected, mountable output… | Read the guide |
| Die cutter | Platen die cutters and digital cutting tables funded for carton makers, display producers and print finishers… | Read the guide |
| Paper guillotine | Programmable guillotines and cutting lines funded for commercial printers and trade finishers who need accurate, repeatable… | Read the guide |
| Screen printing machine | Automatic carousel presses, conveyor dryers and exposure kit funded for garment decorators stepping up from manual… | Read the guide |
| Heat press | Clamshell, swing-away and automatic shuttle heat presses funded for decorators applying transfers, vinyl and sublimation at… | Read the guide |
| DTF printer | Direct to film printers, powder shakers and curing ovens funded for garment decorators producing full-colour transfers… | Read the guide |
| Embroidery machine | Single and multi-head commercial embroidery machines funded for workwear suppliers, teamwear businesses and decorators expanding capacity. | Read the guide |
| Industrial sewing machine | Lockstitch, overlock and heavy walking foot machines funded for manufacturers, upholsterers and workrooms building or rebuilding… | Read the guide |
| Injection moulding machine | Electric, hydraulic and hybrid injection moulding machines funded for plastics processors, alongside robots, chillers, dryers and… | Read the guide |
| Blow moulding machine | Extrusion and stretch blow moulding machines funded for bottle, container and technical part producers, including downstream… | Read the guide |
| Rotational moulding machine | Carousel, shuttle and rock and roll rotomoulding machines funded for tank, container and large part producers… | Read the guide |
| Extrusion line | Pipe, profile, sheet and film extrusion lines funded as complete packages, from extruder and die through… | Read the guide |
| Granulator | Beside-the-press and central granulators funded for moulders and recyclers reclaiming sprue, runners and scrap back into… | Read the guide |
| Bridge saw | CNC and manual bridge saws funded for worktop fabricators, monumental masons and stone yards cutting granite,… | Read the guide |
| CNC stone router | Three and five axis CNC work centres funded for stone fabricators profiling edges, drilling drainers and… | Read the guide |
| Stone edge polisher | Straight line and CNC edge polishing machines funded for worktop producers who need consistent, repeatable edges… | Read the guide |
| Waterjet cutting machine | Abrasive waterjet machines funded for stone fabricators, sign makers and engineering firms cutting intricate shapes without… | Read the guide |
| Glass cutting table | CNC glass cutting tables and float glass cutting lines funded for processors, IGU makers and merchants… | Read the guide |
| Double glazing line | Insulating glass lines funded for sealed unit manufacturers, from washer and assembly through press and sealing… | Read the guide |
| Glass toughening furnace | Flat glass tempering furnaces funded for processors bringing toughening in house, including loading, quench and unloading… | Read the guide |
| Two post lift | Two post vehicle lifts funded for independent garages, bodyshops and mobile technicians taking on a workshop… | Read the guide |
| Four post lift | Four post lifts and MOT ramps funded for test stations, service workshops and tyre bays needing… | Read the guide |
| Wheel balancer | Diagnostic and standard wheel balancers funded for tyre bays, fast-fit sites and garages chasing vibration complaints… | Read the guide |
| Tyre changer | Leverless and automatic tyre changers funded for tyre bays, garages and mobile fitters handling run-flats, low… | Read the guide |
| MOT bay equipment | Complete MOT lanes funded on one agreement, from lift and roller brake tester through headlamp aligner,… | Read the guide |
| ADAS calibration equipment | ADAS calibration frames, targets and diagnostic platforms funded for bodyshops, glass fitters and garages working on… | Read the guide |
| Vehicle spray booth | Spray bake booths and combination ovens funded for bodyshops, commercial vehicle painters and restorers bringing refinishing… | Read the guide |
You choose the machine, and a lender pays the supplier while you repay over a fixed term — usually two to seven years. The machine itself is the security, which is why finance is often available when an unsecured facility is not.
Most machinery is funded on hire purchase over three to seven years, with the machine itself as the security. You pay monthly, you own it at the end, and you claim the capital allowances on the full cost from the point it comes into use. A finance lease works differently and occasionally suits better — our asset finance explained page sets out the difference properly.
Because the asset holds value, terms on machinery are usually longer and rates lower than on equipment that depreciates fast. That is the practical meaning of a hard asset: a lender can identify it, value it and sell it. Machine tools, presses, moulding machines and production plant all sit firmly in that category. Software, tooling and control systems do not, which matters more than most buyers expect.
Often yes, but they have to be raised on the invoice rather than added afterwards. Lenders fund what the invoice says they are funding, so commissioning, tooling and training are much easier to include before the order is placed than after.
A machinery quote is rarely just the machine. It carries delivery, rigging, installation, commissioning, tooling, software licences, training and sometimes a service contract. Lenders fund the machine. They will often fund only part of the rest, or none of it.
On a £180,000 quote where £30,000 is installation, tooling and software, you can find yourself needing to bridge that £30,000 in cash at exactly the moment you were trying to preserve it. It is entirely solvable — some lenders take a percentage of soft costs, and there are other ways to structure it — but only if it is raised before the order is placed. Send us the full quotation rather than the machine price, and we will tell you what is fundable before you commit.
Commonly ten to twenty per cent, though new machines from a mainstream manufacturer can sometimes be funded with nothing down. A larger deposit lowers the lender’s exposure and is the most direct way to improve the rate offered.
Machine builders commonly want a deposit at order and a stage payment before shipping, with the balance on delivery. Asset finance normally pays out on delivery and acceptance — so on a machine with a six-month build slot, there is a gap between what the supplier wants and when the funder pays.
Lenders can pay a supplier directly and some will stage payments against the build. Others will not. Getting this settled at the outset is the difference between a straightforward purchase and finding your own working capital tied up in a machine that has not arrived. If you are buying from a European or Asian builder, tell us early.
Used machinery finance is completely normal and often the better buy — a well-maintained machine from a closing shop or a dealer’s refurbished stock can be a fraction of new for most of the capability. Lenders will fund it. What they want is provenance: serial number, age, hours where the machine records them, service history and a clear title from the seller. Auction purchases are fundable but move fast, so talk to us before the sale rather than after the hammer.
If your shop floor is full of owned, unencumbered machines, that is capital sitting idle. Asset refinance raises cash against it without stopping production — commonly used to fund the deposit on the next machine, or to smooth a gap between a contract win and the investment it needs. There is more on that approach in how to scale a small business with asset finance.
New plant bought on hire purchase can qualify for a 100% first-year deduction under Full Expensing, so a company paying the 25% main rate of Corporation Tax saves 25p of tax for every £1 of asset cost in the year the machine is brought into use.[2,5] The cash cost is still spread across the agreement. Full relief now, paid for over time, is why most finance directors buy plant this way rather than outright.
Full Expensing applies to new and unused plant and machinery bought by a company within the charge to Corporation Tax. Second-hand machines do not qualify for it[2] — though the Annual Investment Allowance, currently £1 million a year, gives the same 100% first-year effect and does cover used kit.[1]
Two changes from Budget 2025 are now in force. A new 40% first-year allowance applies to main-rate plant and machinery bought on or after 1 January 2026 — it must be new and unused, second-hand is excluded, and cars are excluded; you then claim writing-down allowances on the remaining 60%.[3] And the main writing-down allowance has been cut from 18% to 14%, from 1 April 2026 for Corporation Tax and 6 April 2026 for Income Tax, with a hybrid rate for periods straddling those dates. The special rate pool is unchanged at 6%.[4]
On a hire purchase agreement with an option to purchase, the company is treated as the owner for capital allowances once the asset is in use, so the deduction is yours. HMRC puts it plainly: you can claim for all payments under the contract when you start using the item, but not on the interest payments.[1] A finance lease or an operating lease will not give you this, which is the single most common reason a business expecting the relief does not get it.
Assets bought in order to lease them out are excluded from Full Expensing. That remains true — but it is no longer the whole picture. The new 40% first-year allowance was introduced specifically to reach cases the existing allowances miss, and HMRC names assets bought for leasing as one of them, with a carve-out only for overseas leasing.[4]
You are outside Corporation Tax, so Full Expensing is not available to you — HMRC is explicit that only companies can claim it.[2] The Annual Investment Allowance is, and at £1 million it covers most purchases outright, new or used.[1] The 40% first-year allowance is open to you as well: HMRC designed it to be available to all businesses, not only incorporated ones.[4]
25p per pound is the main rate. A company on the 19% small profits rate saves 19p, with Marginal Relief in between — the main rate applies above £250,000 of profit and the small profits rate at £50,000 or less.[5] Cars are excluded from Full Expensing, from the Annual Investment Allowance and from the 40% first-year allowance alike.[1,2,3]
General information, not tax advice. Capital allowances depend on your own circumstances and on the rules in force when the expenditure is incurred — confirm the position with your accountant before relying on it.
Sources checked 7 October 2026. Tax rules change; confirm the current position before relying on it.
The machinery panel covers a wide spread. CNC machines and machine tools and woodworking machinery have their own pages. Beyond those we regularly fund fabrication and sheet metal plant, injection moulding, packaging and labelling lines, print machinery, food production equipment, compressors and dust extraction, conveyors and automation. For construction plant see plant and machinery finance; for farm kit see agricultural machinery.
Search machinery financing and you will find a mix of banks, manufacturer schemes and independent machinery finance companies, each lending its own book. Machinery finance in the UK is a broad market and no single lender is good at all of it — the funder who is sharp on a new machining centre often has no appetite for a twenty-year-old moulder, and the one who will back manufacturing machinery for a three-year-old company is rarely the cheapest for an established one.
Whole-of-market machinery asset finance means the deal goes to whichever lender fits it, rather than to the one whose logo happens to be on the dealer’s brochure. We finance machinery from a single second-hand machine to a full production line, and if you are looking for finance for machinery of any age or type, that difference is usually worth more than the headline rate.
The full supplier quotation, whether the machine is new or used, and roughly when you need it in place. If there is a contract or a piece of work driving the purchase, mention it — machinery bought against named work is a straightforward conversation. Use the machinery finance calculator for a rough monthly figure first if it helps. No credit check to ask.
One quick conversation about the asset and how the repayments need to work.
As an independent broker we find the right structure and rate — not one lender’s products.
Indicative decisions in as little as 24 hours, then we manage it through to payout.
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and will receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.
Real agreements, written up in full — what the business wanted, what the lenders said, and what it cost. Amounts are rounded and no customer is identified.
Groundcare · Members’ Club
Three weeks from enquiry to payout, professional-grade machinery on the course for a fraction of new, and a monthly figure sized to what the club wanted to carry.
303 machines named across 32 types of General machinery. This is not a restricted list — it is what we are asked for most often. If the machine you are buying is not here it almost certainly still funds: your supplier quote is what the agreement is written against.