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CW Asset Finance | Vehicle & Equipment Finance Yorkshire

← All finance questions

Can I finance machine tools?

Yes. Machine tools — lathes, milling machines, grinders, presses, saws, press brakes, guillotines and laser or waterjet cutters — are commonly funded through hire purchase or leasing. They are durable, identifiable and have an active used market, which makes them a reasonable proposition for lenders. Every application is decided by the lender, not by us.

Fabrication and engineering businesses often buy a machine plus the ancillary kit it needs: extraction, compressors, fume systems, tooling and software. Some of that is treated as part of the machine and some as a soft cost. Where a lender will not fund an element, it usually has to come out of your own cash, so price the whole package before you commit.

Used machine tools are frequently a sensible buy because good ones last decades, but funders vary widely in appetite. Older machines, auction purchases and private sales generally mean shorter terms, more paperwork and sometimes an inspection or valuation. A larger deposit can help but is never a guarantee of approval.

Weigh the benefit — spreading the cost so the machine earns while you pay for it — against the commitment. The payments continue during quiet spells, and the lender can recover the machine if you default.

Thinking about it for your own business?

Tell us what you are looking to fund and we will search our panel of 60+ lenders. No credit search at this stage, and indicative decisions in as little as 24 hours.

CW Asset Finance is a credit broker, not a lender. Finance is subject to status and lender approval.