Spark erosion machine finance
Die-sink eroding puts detail into hardened tool steel that no cutter will reach, and it is bought by toolrooms rather than production shops.
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Can you finance a spark erosion machine?
Yes. Sinker or die-sink EDM machines are funded as hard assets, usually on hire purchase, and used machines are fundable. The awkward part is that the eroder is only half the capability: you also need a way of making electrodes, which usually means a graphite milling machine and extraction. Funders will advance against each identifiable machine but not against the workflow as a concept. Check too whether the C-axis and toolchanger are supported, because on older machines an unsupported control leaves you with a manual eroder at a CNC price.
Used kit: Yes — used sinker EDM machines are fundable, typically to around fifteen years old where the generator, control and axis drives remain supported.
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What would a spark erosion machine cost per month?
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 may 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.
How lenders treat it
To an underwriter a sinker eroder is a narrower asset than a wire machine, because the buyer pool is mostly toolrooms rather than general subcontractors. That does not stop the deal; it means the advance follows what a specialist dealer would realise. As on all EDM, the generator and control generation is the decisive factor: a supported machine from a mainstream builder has a market, and an obsolete model with no power supply parts behind it does not, whatever the mechanical condition. Electrode holders, chucking systems and graphite stock are soft or consumable. Funders recognise that toolmaking demand is tied to new product launches and injection moulding programmes, so an order book in one sector attracts questions. Refusals cluster around thin balance sheets rather than the machine.
Makes and models we fund
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 |
|---|---|
| Agie Charmilles Form 200 | Die sinking machine for mould detail |
| Agie Charmilles Form 300 | Larger sinker for tooling and repair |
| Sodick AG40L | Sinker eroder with linear motor drives |
| Sodick AG60L | Bigger sinking machine for heavy electrodes |
| Mitsubishi EA12 | Die sinker for mould and press tool work |
| Mitsubishi EA8S | Compact sinker for smaller tool rooms |
| Ona NX3 | Sinking machine for general tool maintenance |
| Ona die sinking machines | Spark eroders for toolmakers of all sizes |
| Erowa chucking systems | Electrode holding and referencing for erosion |
| System 3R tooling | Pallet and electrode systems for erosion cells |
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Who buys one
Mould toolmakers putting ribs, text and fine detail into cavities, press tool shops producing form detail, and repair specialists reclaiming worn tooling. Also bought by aerospace subcontractors machining cooling holes and slots in hard alloys. The trigger is often a mould programme where the detail cannot be milled and the external eroding bill has grown to the point of paying for a machine.
Get a quoteor call 0333 772 4864
How it is treated for tax
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.
Spark erosion machine finance questions
Can the electrode milling machine be funded at the same time?
Yes, and it usually should be. A graphite mill is a machine tool in its own right with its own serial number, so a funder can treat it as security. Putting both on one facility makes the project cleaner than funding one and paying cash for the other, and it gives the underwriter a coherent picture of what you are building.
Are chucking systems like Erowa or System 3R fundable?
They can be, as part of a machine deal, though funders often treat pallets, chucks and holders as soft cost and cap them. These systems hold their value reasonably well in the trade, which helps the argument. Where the spend is large it may be better placed in its own facility rather than squeezed into the machine advance.
Does graphite dust extraction get included?
Extraction supplied and invoiced with the machine can usually be included. A standalone extraction plant with ducting and installation is normally a separate matter, because the ducting becomes part of the building. Given graphite dust is both a health and an electrical issue, treat extraction as an essential project cost regardless of how it is funded.
Is a manual eroder worth funding?
It is fundable, but the values are modest and deal size becomes the limiting factor. Where a small manual machine is bought alongside other equipment it slots in easily. As a standalone purchase, many funders will not write an agreement that small, so it is often simpler to buy it outright.
How quickly can a toolroom purchase like this be arranged?
Where the company has filed accounts and a clean credit profile, a decision often comes back within a working day and documents follow quickly after. Used machine purchases can take longer if an inspection is wanted. The realistic timetable is usually set by the supplier’s delivery date, not by the funding.
Get a quoteor call 0333 772 4864
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
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