Waterjet cutting machine finance
Abrasive waterjet machines funded for stone fabricators, sign makers and engineering firms cutting intricate shapes without heat or chipping.
Whole-of-market — 60+ lenders searched, including
Can you finance a waterjet cutting machine?
Yes. Abrasive waterjets fund as hard assets on hire purchase and there is a genuine resale market spanning stone, metalwork and general fabrication, which makes underwriters comfortable. Used machines are fundable, with the intensifier or pump condition and hours mattering more than the age of the table. The surprise is the running package: garnet, nozzles, orifices and seals are consumables with a serious ongoing cost, and the abrasive removal and water treatment system is largely installation rather than machinery.
Used kit: Yes — used waterjets fund where pump hours and rebuild history are documented, typically up to around eight to ten years old.
Get a quoteor call 0333 772 4864
What would a waterjet cutting 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
Waterjets are attractive to funders because demand for them crosses several industries, which widens the resale pool beyond stone alone. The pump is the part an underwriter focuses on: an intensifier with high hours and no rebuild history takes value off the whole machine. Garnet, nozzles, mixing tubes and seals are consumables. Closed loop water treatment, garnet removal systems, the catcher tank pit and drainage are installation works largely outside the agreement. A machine set into a floor pit in a leased unit is firmly in fixture territory, so a landlord waiver is likely. Declines usually involve older imports with an unsupported pump, or buyers with no experience of the running costs.
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 |
|---|---|
| Flow Mach 500 | High pressure waterjet for stone and metal |
| Flow Mach 200 | Entry waterjet table for small fabricators |
| Intermac Primus 184 | Five axis waterjet for stone and ceramics |
| Intermac Primus waterjets | Waterjet tables sized for stone workshops |
| Omax 60120 | Abrasive waterjet with large cutting bed |
| Omax 80X | Production waterjet for thick materials |
| Breton Combijet | Waterjet combined with bridge saw cutting |
| Breton waterjet cutting systems | Waterjet machines for stone and porcelain |
| Techni Waterjet i-Cut | Servo pump waterjet for general fabrication |
| Techni Waterjet Intec-G2 | Compact waterjet for smaller stone shops |
Get a quoteor call 0333 772 4864
Who buys one
Usually a stone fabricator whose saw cannot produce the shaped drainers, inlays and curved returns clients now expect, or who is cutting porcelain and losing slabs to chipping. Also fabricators combining waterjet with a bridge saw on one bed, and engineering or signage firms cutting mixed materials where heat distortion from laser or plasma is unacceptable.
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.
Waterjet cutting machine finance questions
Why do funders ask about pump hours?
Because the high pressure pump is the expensive heart of the machine and it wears. A unit approaching a major rebuild carries a large cost that the next owner inherits, so it reduces what the machine is worth. Hours and rebuild records genuinely move the valuation.
Is garnet ever included in the finance?
No. Abrasive garnet is consumed continuously and in volume, so it cannot be secured. The same applies to nozzles, mixing tubes and seals. These are among the most significant running costs of owning a waterjet, so cost them properly before you commit.
Can the water treatment and garnet removal system be funded?
Partly. A free-standing packaged closed loop unit has its own value and is often includable. Pits, drainage and pipework built into the floor are construction and sit outside. Send the full installation quotation and we will show you which lines are fundable.
Is a combined saw and waterjet funded as one machine?
Yes, when it is a single machine on one invoice with one serial number. Combination machines are popular with fabricators precisely because they replace two assets, and funders treat them as the single high value asset they are.
Does a waterjet suit a business outside the stone trade?
Yes, and funders see them in engineering, signage and aerospace subcontract work as well. That cross-sector demand is part of why they underwrite well. Your own trading history in whichever sector you operate is what the credit decision rests on.
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.