Laminator finance
Roll and flatbed laminators funded for sign makers and print finishers who need protected, mountable output without sending work out.
Whole-of-market — 60+ lenders searched, including
Can you finance a laminator?
Yes. A laminator is funded as a hard asset on hire purchase, and because the build is mechanically simple with heated rollers and a drive, it holds value steadily and makes reasonable security. Second-hand laminators fund readily. The thing that trips people up is value rather than eligibility: a single laminator often falls under the threshold at which a funder will write a standalone agreement, so it is very often funded alongside the printer it is there to support, on one quotation and one payment.
Used kit: Yes — used laminators fund comfortably, and machines around eight to ten years old remain fundable where the rollers are clean and undamaged.
Get a quoteor call 0333 772 4864
What would a laminator 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
Laminators are easy assets to underwrite. They are identifiable, they are not usually bolted down, and dealers move used units steadily, so recovery value is predictable even for older machines. Film and adhesive are consumables and sit outside the agreement completely. Installation is light, and training is measured in hours rather than days, so the soft cost problem is smaller here than almost anywhere else in print. The real constraint is deal size: a standalone laminator is often below where a funder wants to be, and the fixed cost of documenting a small agreement eats the benefit. Bundled with a printer it goes through without comment. Outright declines are rare and usually reflect the buyer rather than the machine.
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 |
|---|---|
| Kala Mistral 1650 | Wide roll laminator for sign and display |
| Seal 62 Pro MD | Heated roll laminator for mounting and encapsulating |
| Vivid Easymount EM-1600SH | Hot and cold laminator for print finishing |
| Vivid Easymount EM-1400SH | Narrower laminator for smaller print rooms |
| Vivid Matrix MX-530DP | Desktop sleeking and laminating unit |
| Drytac JetMounter JM64 | Cold roll laminator for mounting to board |
| GMP Saturn 1100 | Heated laminator for wide format prints |
| GMP Excelam laminators | Roll and pouch laminators for general finishing |
| Autobond Mini 76 TH | Sheetfed thermal laminator for commercial print |
Get a quoteor call 0333 772 4864
Who buys one
Most often a sign or display company whose printed graphics are coming back scuffed from site and who needs an encapsulated finish in house. Also print finishers adding wide format to a trade service, and vehicle wrap businesses that want to apply cast overlaminate themselves rather than pay a trade laminator and lose a day in transit each way.
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.
Laminator finance questions
Why would a laminator not be funded on its own?
Purely because of the figure involved. Underwriting, documenting and administering an agreement costs a funder roughly the same whatever the size, so below a certain value the numbers stop working for them. Pairing the laminator with another asset on the same order solves it neatly.
Do laminating films count towards the finance?
No. Films, adhesives and mounting boards are stock. They are consumed in the work and cannot be recovered, so they never form part of an asset agreement. Keep them on supplier credit terms and let the finance cover the machine alone.
Is a flatbed applicator treated the same as a roll laminator?
Broadly yes. Both are recognisable machines with serial numbers and a resale market, and a funder underwrites them the same way. Flatbed applicators tend to carry a lower value, which pushes them further into the bundle-it-with-something-else territory.
Can I refinance a laminator to release cash?
Technically yes, but the figures rarely justify it in isolation. Refinance works better across several owned machines at once. If you have a printer, a cutter and a laminator all owned outright, that package is worth looking at properly.
Does a funder care that it is on castors?
A little. Mobile assets are simpler on the fixtures question, since nothing has become part of the building, but they do prompt a question about where the machine is kept. Give the installation address on the proposal and that is normally the end of it.
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.