Industrial sewing machine finance
Lockstitch, overlock and heavy walking foot machines funded for manufacturers, upholsterers and workrooms building or rebuilding a production line.
Whole-of-market — 60+ lenders searched, including
Can you finance an industrial sewing machine?
Yes, though how it is funded depends on how many you are buying. A single industrial sewing machine is often below the value a funder will write on its own, so machines are typically financed as a package — a line of lockstitch, overlock and bartack machines together, with their tables and motors, on one agreement. Used machines are fundable and the good brands last decades. The thing to get right is the invoice: one supplier quoting the whole workroom is far easier to fund than six separate purchases.
Used kit: Yes — used industrial machines fund well as part of a package, and heads of fifteen years or more are acceptable given how long these brands last.
Get a quoteor call 0333 772 4864
What would an industrial sewing 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
Individually these machines are modest assets, but collectively they are respectable security: the leading Japanese and German brands hold value, spares are widely available and used dealers move stock constantly. Heads, tables, stands and servo motors quoted together are treated as one asset per station. Needles, thread, feet, folders and binders are consumables and tooling, never funded. The machines are plugged in rather than installed, so nothing becomes a fixture and tenants are unaffected. The main friction is ticket size: expect a funder to want the whole workroom on one quotation. Declines usually reflect a business with a very short trading history rather than anything about the equipment.
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 |
|---|---|
| Juki DDL-9000C | Direct drive lockstitch machine for light fabrics |
| Juki DDL-8700 | Straight stitch workhorse for general sewing |
| Juki MO-6816S | Industrial overlocker for garment seams |
| Juki LU-2810 | Walking foot machine for heavy materials |
| Brother S-7300A Nexio | Lockstitch machine with automatic trimming |
| Brother BAS-326H | Programmable pattern sewer for panels and badges |
| Durkopp Adler 867 | Heavy duty machine for upholstery and leather |
| Durkopp Adler 967 | Post bed machine for shaped leather work |
| Global WF 1246 | Walking foot machine for canvas and covers |
| Pfaff 1245 | Compound feed machine for tough sewing jobs |
Get a quoteor call 0333 772 4864
Who buys one
Usually a small UK manufacturer, upholsterer or technical textiles firm expanding a workroom, often after onshoring work that used to come from overseas. Also marine and canvas trimmers moving to heavy walking foot machines for webbing and PVC, and contract sewing businesses replacing clutch motor machines with servo units to cut electricity use and noise.
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.
Industrial sewing machine finance questions
Can I finance just one sewing machine?
Sometimes, but often not economically. Most single industrial heads fall under the minimum agreement a funder will write. Buying several at once, or adding a cutter or press to the order, lifts the total to a workable level and gives you one payment for the lot.
Do the tables and motors count separately?
No, they are treated as part of the station. A head, table, stand and servo motor quoted together form one machine for funding purposes. That is helpful, because the complete station carries a better resale value than a bare head on its own.
Is second-hand a sensible route for a workroom?
Very often yes, and funders are comfortable with it. A serviced used machine from a specialist dealer can cost considerably less than new and still run for years. Ask for a dealer warranty, since that is what makes an underwriter relaxed about the age.
What about specialist machines like bartacks and buttonholers?
They fund the same way, as part of a package. Highly specialised machines have a narrower resale market, which a funder will factor in, so it helps if the bulk of the order is made up of mainstream lockstitch and overlock machines with broad demand.
Can a start-up manufacturer get a workroom funded?
It is possible where the directors have real experience in the trade and there is evidence of confirmed work. Expect a personal guarantee and expect the underwriter to look closely at the business plan. We would approach lenders who are comfortable with newly formed companies from the start.
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.