Bending is where the money is made in sheet metal, and press brakes are among the most liquid assets a funder can take.
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Yes. Press brakes are funded as hard assets, generally on hire purchase, and used machines are straightforward to fund because the second-hand market for them is deep and steady. What catches buyers out is tooling. A tooling set for a modern brake is a serious expense, and funders treat punches and dies as soft cost because they are hard to identify and recover. The other point to check on a used machine is the control and back gauge system: an unsupported control on a mechanically sound brake still limits what anyone will pay for it.
Used kit: Yes — used press brakes are readily funded and machines fifteen years old or more are placed regularly where the control is supported.
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Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 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 may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
Press brakes are one of the easier assets in this sector to fund. They are heavy, durable, serial-numbered and always in demand, so a funder can see a clear route to value. Recognised European and Japanese names hold their money best. The underwriting looks at tonnage, length and control: a common size with a supported CNC control sells readily, while an unusual, very long or very high tonnage machine has fewer buyers and takes longer to move. Control generation and continued support again matters more than build year. Tooling, offline programming and training are soft. The credit angle is that fabrication is capacity-led and cyclical, so funders watch fabricators expanding quickly on the back of one large customer. Declines are mostly credit-driven rather than asset-driven.
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Amada HFE 1303 | Hydraulic press brake for general folding |
| Amada HG 1003 | Servo hydraulic brake for accurate bending |
| Trumpf TruBend 5085 | Press brake with fast axes for batch work |
| Trumpf TruBend 7036 | Compact brake for small precision parts |
| Bystronic Xpert 150 | Press brake with bend assist features |
| Bystronic Xpert Pro 250 | Heavy brake for long and thick sections |
| LVD PPEB 135 | Hydraulic brake with touch screen control |
| LVD Dyna-Press 60 | Electric brake for small component folding |
| Durma AD-S 30135 | Value press brake for fabrication shops |
| Baykal APHS 3106 | Press brake for general sheet metal folding |
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Sheet metal subcontractors, fabricators, enclosure and cabinet makers, and product manufacturers folding their own parts. Frequently bought as the second half of a laser purchase, once a shop realises it can now profile faster than it can bend. Also common where a fabricator is turning down work because the existing brake is too short, lacks the tonnage, or has no CNC back gauge and is slow to set.
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Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Partly, in most cases. Punches and dies are soft cost, so funders either cap them as a share of the deal or exclude them. Where the tooling spend is significant we will often look to place it separately. Ask the supplier to show the machine and the tooling on separate lines, because it gives us more options.
Yes, in terms of value rather than approval. Common sizes have the most buyers and therefore the strongest resale, which supports the advance. Very long or unusually high tonnage machines are specialist and take longer to sell, so a funder takes a more conservative view. It rarely stops a deal; it affects the shape of it.
Not fundamentally. Both are assessed as hard assets on brand, size, condition and control support. Servo machines are newer to the market and generally desirable, which helps value. The assessment remains what a used machinery dealer would pay, and a well-known servo brake in good order is a comfortable proposition.
Yes, and it is common because the two are usually bought together. A single facility covering both keeps the documentation simple. Depending on the total, we may still split the two machines between funders to get the best overall answer, particularly where one funder would be stretched by the combined amount.
It is soft cost and usually excluded or capped, because a licence has no recovery value. Some funders allow a small software element inside a machine deal and a few will write a separate facility for it. Raise it early rather than discovering at signing that the software is not covered by the advance.
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Not an offer of finance. All finance is subject to status, affordability 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 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.