3D printer finance
Bring prototyping or short-run production in house, funding the printer, the post-processing kit and the extraction it needs as one working cell.
Whole-of-market — 60+ lenders searched, including
Can you finance a 3D printer?
Yes, and additive equipment sits at the harder end of technology finance. Industrial 3D printers are substantial machines with identifiable serial numbers, specialist dealers and a functioning resale market, so funders can lend against the equipment rather than purely on covenant. Funding is typically hire purchase, or lease where you would rather hand the machine back. Used machines are sometimes funded where supplied with warranty and service history. The thing nobody mentions at quote stage is that the printer alone rarely does the job: wash and cure stations, extraction, post-processing and validated materials are needed too, and the full working cell costs considerably more than the headline machine.
Used kit: Yes, in the right circumstances. Used industrial printers are funded where they come through a recognised supplier with service history and warranty, though desktop machines are generally too low in value for a funder to bother with.
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What would a 3D printer cost per month?
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).
How lenders treat it
Additive is one of the few technology categories where I underwrite the machine seriously. An industrial printer is a fixed, serialised piece of capital equipment, there are dealers who trade them, and the manufacturers support and recertify units, so recovery is realistic. That said, I look harder at the model than I would with a press, because the market is younger and some platforms are proprietary enough that only one buyer really exists. Materials tied to a single supplier also concern me slightly, since they affect whether a recovered machine is usable. On the business side I want to see where the work is coming from: a firm bringing bureau spend in house has a demonstrable case, whereas a speculative purchase does not.
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 |
|---|---|
| Formlabs Form 4 | Desktop resin printer for prototypes |
| Formlabs Form 4L | Large format resin printer |
| Formlabs Form Wash and Cure | Post-processing stations for resin parts |
| Markforged X7 | Continuous fibre composite printer |
| Markforged FX20 | Large format composite printer |
| Stratasys F370 | Office filament printer for engineering |
| UltiMaker S8 | Desktop filament printer for workshops |
| Bambu Lab X1 Carbon | Enclosed desktop filament printer |
| Raise3D Pro3 | Dual extruder filament printer |
| HP Multi Jet Fusion 5420W | Powder bed production printer |
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Who buys one
Engineering firms and product design consultancies cutting weeks out of prototype turnaround, dental and orthodontic labs producing appliances, universities and training providers equipping workshops, and manufacturers printing jigs, fixtures and low-volume spares. The trigger is usually the cumulative cost and delay of outsourcing to a bureau, or a customer requiring faster iteration. Motorsport, aerospace subcontractors and medical device developers come to us when a programme depends on same-week parts.
Get a quoteor call 07581 364281
We publish the deals we arrange, with no client named and no rate quoted. See what we have funded in IT and office equipment.
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.
3D printer finance questions
Is a 3D printer treated as IT or as manufacturing equipment?
Most funders see it as manufacturing equipment, which works in your favour. It behaves like a machine tool: fixed in place, serialised, with a dealer market and service records. That means the asset itself carries weight in the decision, rather than the application resting solely on your accounts as it would for most technology.
Can post-processing equipment be included?
Yes, and it generally should be. Wash and cure stations, extraction, blasting cabinets and finishing tools are what turn a printed part into a usable one. They are tangible equipment in their own right, and funding the complete cell on one agreement avoids discovering a capability gap after the printer has arrived.
What about the materials?
Consumable resin, filament and powder are not financed, as they are used up rather than owned. An initial starter supply bundled with the machine is normally accepted on the invoice. Ongoing material costs belong in your job costing, and are worth modelling carefully since proprietary materials carry a premium.
We currently use a print bureau. Does that support the application?
Yes, and it is one of the strongest arguments you can present. Bureau invoices demonstrate existing demand and quantify what the machine displaces, which is far more persuasive to an underwriter than a projection. Bring twelve months of outsourcing spend to the conversation if you have it.
Can a used industrial printer be financed?
Often yes, subject to the supplier and the machine. Funders want service history, a warranty position and a clear view of who will support it afterwards. Machines from established dealers or manufacturer refurbishment programmes are treated as reasonable propositions; private sales of unsupported equipment are much harder to place.
Get a quoteor call 07581 364281
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
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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.