Beside-the-press and central granulators funded for moulders and recyclers reclaiming sprue, runners and scrap back into usable material.
Whole-of-market — 60+ lenders searched, including
Yes. Granulators fund as hard assets on hire purchase and they are straightforward security: a heavy welded chamber, a rotor and a motor, with a steady second-hand market through plastics machinery dealers. Used granulators are funded readily. What people forget is that blades and screens are consumables with a real running cost, and a set of new knives is not part of the finance. On larger central granulators, ducting, cyclones and the soundproofing enclosure may be treated as installation rather than as the machine itself.
Used kit: Yes — used granulators fund comfortably and machines twelve to fifteen years old are routine, with rotor and bed knife condition mattering more than the year.
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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).
Granulators are easy assets. They are simple, heavy, identifiable and slow to date, so values hold and underwriters are comfortable taking them as security even at a reasonable age. Dealers in used plastics machinery move them steadily. Knives, screens and screen frames are consumables and are excluded. Conveyors, metal separators and material handling quoted alongside can be added as separate assets on the same agreement. On a big central unit, acoustic enclosures, ducting and cyclone separators fixed to the building start to read as installation, with the usual questions on a leased site. The practical constraint on smaller machines is minimum deal size, which is why granulators are often funded alongside the press they serve.
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 |
|---|---|
| Wittmann G-Max 33 | Beside the press granulator for sprues |
| Wittmann G-Max 13 | Small granulator for light moulding waste |
| Rapid Granulator 200 series | Mid size granulators for moulding shops |
| Rapid Granulator 300 series | Central granulators for heavier throughput |
| Zerma GSL 180 | Low speed granulator for quiet operation |
| Zerma GSH series granulators | Heavy duty granulators for bulky parts |
| Getecha GRS 180 | Compact granulator for inline recycling |
| Getecha RS 3004 | Central granulator for larger production cells |
| Cumberland 1200 series | Robust granulators for continuous scrap grinding |
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Commonly an injection moulder tired of paying for virgin material while bagging up sprue as waste, putting a beside-the-press granulator next to each machine. Also recyclers and compounders installing a central granulator to handle purgings and reject parts, and manufacturers under customer pressure to show measurable in-house recycling of process scrap.
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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.
No. Knives, screens and screen frames wear out and get replaced on a running cost cycle, so they cannot be taken as security. A new set supplied with the machine may be absorbed into the purchase price, but do not expect replacement tooling to be fundable later.
Yes, and it is often the sensible way. A beside-the-press granulator on the same quotation as the press goes on one agreement with one payment, and the combined figure clears any minimum deal size without difficulty.
Partly. A self-contained enclosure supplied with the machine usually rides along. A soundproofed room built into the unit is construction and sits outside the agreement, as does ducting fixed into the building. Send the full quotation and we will separate the lines before you order.
Less than on almost any other plastics asset. The engineering is simple and durable, and a fifteen year old machine with a good rotor is still worth real money. Funders will want to know it has been maintained and that bearings and knives are in reasonable order.
It depends on the wider picture. Funders will look at the directors, the feedstock arrangements and any offtake agreements, not just the machine. Evidence of secured material supply and a buyer for the output makes a considerable difference to how a new venture reads.
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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.
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