CNC stone router finance
Three and five axis CNC work centres funded for stone fabricators profiling edges, drilling drainers and machining sink cut-outs in house.
Whole-of-market — 60+ lenders searched, including
Can you finance a CNC stone router?
Yes. A CNC stone work centre funds as a hard asset on hire purchase. Used machines are fundable, although funders look at the control and software generation as well as the mechanics, because an obsolete controller with no support is a resale problem even when the frame is sound. The commonly missed cost is the tooling and software: profiling wheels, core drills, fingerbits and the CAD CAM licences are soft costs, and on a full workshop package they can represent a meaningful share of the total invoice.
Used kit: Yes — used work centres fund where the control is still supported, typically up to around eight to ten years old with service records.
Get a quoteor call 0333 772 4864
What would a CNC stone router 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
Work centres are hard assets with a real market, but underwriters price in the electronics. A heavy gantry and spindle last a long time; a control system does not, and a machine whose controller is no longer supported is much harder to sell on, which shortens the term a funder will offer. Tooling is soft: wheels, bits and drills wear out and hold no recoverable value. CAD CAM software is soft, and a subscription licence cannot be funded at all. Water, slurry handling and the reinforced base are installation works outside the agreement, and a bolted machine in a leased unit may need a landlord waiver. Declines usually involve an unsupported grey import or a fabricator with no CNC experience and no operator lined up.
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 |
|---|---|
| Intermac Master 43 | Work centre for shaping and polishing stone |
| Intermac Master 63 | Five axis stone work centre for complex parts |
| Breton Contourbreton NC | Contouring machine for kitchen worktops |
| Breton Genya | Compact work centre for stone fabricators |
| Park Industries Titan | Stone router for worktop cut outs and edges |
| Park Industries Voyager | Machining centre for shaped stone components |
| CMS Brembana Maxima | Five axis centre for large stone elements |
| CMS Brembana Speed | Fast work centre for worktop production |
| Prussiani CNC work centres | Stone machining centres for varied shop sizes |
Get a quoteor call 0333 772 4864
Who buys one
Typically a worktop fabricator who has been hand profiling and polishing edges and is losing hours per kitchen to finishing, or losing slabs to a bad cut-out. Also stone firms taking on porcelain and sintered surfaces that punish manual working, and architectural masons adding shaped and carved work they currently send to a subcontractor.
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.
CNC stone router finance questions
Why does the control system affect the term?
Because it drives resale. A machine on a current, supported control has buyers; one on an obsolete controller with no spares is difficult to place whatever condition the frame is in. Funders shorten terms on machines where the electronics will date before the mechanics do.
Can CAD CAM software be funded?
A perpetual licence bought with the machine is a soft cost that some funders will carry within a strong deal. An annual subscription cannot be funded, because there is no asset to secure. Training days fall the same way. Budget both outside the finance to be safe.
Is the tooling package fundable?
Generally no. Profiling wheels, core drills and fingerbits are consumables with a defined life and no meaningful resale. On a full workshop quotation the tooling can be a surprisingly large line, so separate it out early rather than assume it rides with the machine.
Can I fund a work centre and a bridge saw together?
Yes, and it is a common package. Both are strong assets and putting them on one quotation gives a single agreement. The larger total also tends to attract better structuring options than two separate smaller deals would.
Do I need an operator before finance is approved?
It is not a formal requirement, but an underwriter will ask who is going to run it. A fabricator investing in CNC with nobody trained to programme it is a commercial risk as well as a credit one. Naming your operator or your training plan strengthens the case.
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.
Get your quote
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.