Cord wood saw finance
Fund a rocker-table or circular cordwood saw for cutting logs to length, usually packaged with a splitter or conveyor.
Whole-of-market — 60+ lenders searched, including
Can you finance a cord wood saw?
Yes, though the modest value means how it is funded matters more than whether it can be. A cordwood saw is a hard asset with a serial number and a reliable agricultural resale market, so there is no objection in principle. The practical issue is that a saw bench alone often falls below the minimum advance asset funders will write, which is why it is most often funded on the same invoice as a splitter, a conveyor or a tractor. Used saws are fundable and age slowly. Where the saw is driven from a tractor, expect a question about whether you own one.
Used kit: Yes — used saw benches are fundable, although a low-value older machine may fall below what a funder will write on its own.
Get a quoteor call 0333 772 4864
What would a cord wood saw 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
The asset is straightforward and agricultural funders know these machines, so the security is not the problem — the ticket size is. Below a funder minimum, a saw bench will not get an agreement of its own, and the answer is to package it with the rest of the firewood kit from one supplier, which lifts the total and usually improves the terms. Where it is funded alone, the decision becomes largely about the applicant, so trading history, bank conduct and home ownership carry it. Firewood income is seasonal and retail, and funders will want to understand the sales side. Private sales are very common with saw benches, as they pass between farms, and they need an invoice, serial number and confirmation of clear title. The typical decline is a very small standalone request from a business with no trading record.
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 |
|---|---|
| Fuelwood sawbenches | Bench saws for cross-cutting cordwood |
| Posch SmartCut 550 | Circular saw bench for log cutting |
| Posch SmartCut 700 | Larger saw bench for firewood production |
| Palax KS 35 Ergo | Cross-cut saw for firewood lengths |
| Palax C900 | Firewood processor with saw and splitter |
| Hakki Pilke 1X37 | Compact firewood processor for smallholders |
| Japa 435 | Firewood processor for commercial output |
| Tajfun RCA 380 | Processor with circular saw and splitting wedge |
| Balfor firewood processors | Saw and split machines for log yards |
| Posch cordwood conveyors | Feed and outfeed conveyors for saw benches |
Get a quoteor call 0333 772 4864
Who buys one
Small firewood producers and farms who cross-cut by chainsaw and want to stop, and arb businesses processing their own cordwood in the yard between jobs. The trigger is usually volume creeping past what one person with a saw can handle safely, or a back that will not take another winter of it. Some buy a saw bench as the first step towards a full processor line later on.
Get a quoteor call 0333 772 4864
We publish the deals we arrange, with no client named and no rate quoted. See what we have funded in arb and forestry.
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.
Cord wood saw finance questions
Can a saw bench be financed on its own?
Occasionally, but often the advance is too small for an asset funder to open a file. The straightforward fix is to buy it as part of a package — a splitter, a conveyor or a tractor on the same invoice — which lifts the total above the minimum and generally produces better terms than the saw would get alone.
Is a tractor-driven saw treated differently to an electric one?
Not for the credit decision. A power take-off saw needs a tractor, so a funder may check you own one, particularly if you are a new start. Electric benches need a suitable supply in the yard, which is your issue rather than the funder concern. Resale is comparable for both.
Can I fund a saw bench and a splitter together?
Yes, and it is the usual approach for anyone setting up a firewood operation. One supplier, one invoice, one agreement covering both machines and any conveyor. It gives the funder a sensible total to secure against and saves you juggling multiple small payments across different agreements.
Will a lender fund a saw bench bought at a farm sale?
It depends on the value and the funder. Small items bought at auction are rarely worth financing separately, and many funders will not pay auction houses direct. If you are buying several lots, or a larger machine alongside, it is worth getting an approval agreed before the sale rather than afterwards.
Is a saw bench a stepping stone to a full processor?
For many producers, yes. A saw and splitter combination is far cheaper to acquire and proves the demand before you commit to a processor line. Funders are comfortable with that progression, and a couple of years of firewood trading history makes the later processor application much more straightforward.
Get a quoteor call 0333 772 4864
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See everything we fund in arb and forestry finance →
Not an offer of finance. All finance is subject to status, affordability and lender approval.
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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.