Woodworking Machinery Finance

What we fund

Panel saws and beam saws, edge banders, spindle moulders, four-siders and thicknessers, wide-belt sanders, CNC routers and nesting machines, tenoners, mortisers, and the extraction that legally has to come with them. Whole-shop fit-outs as readily as a single machine.

Dust extraction is part of the machine, not an extra

Wood dust is a regulated substance and extraction is not optional — it is what makes the machine usable. Yet it routinely gets left off the funding because it is quoted separately, and the shop ends up finding several thousand pounds in cash for the LEV system after committing the rest. Put the extraction on the same quotation and it can usually be funded with the machine. It is the most common avoidable gap in this sector.

Used woodworking machinery

The used market here is unusually good. Well-built machines last decades, the UK has a dense network of established dealers carrying refurbished stock, and a rebuilt classic can outlast a new budget import. Second-hand woodworking machinery is fully fundable.

Dealers list used and second hand woodworking machinery for sale right across the UK, and if you need finance for woodworking machinery we can fund from one of those listings as readily as from a new quotation. What the lender wants is the same as anywhere: serial number, age, condition, and a clear title from whoever is selling. Buying from an established dealer makes this simple. Buying from a closing shop or at auction is fundable too, but the timescales are tight, so have the funding agreed in principle before you bid rather than after.

Refurbished, used, or a new budget machine

For the same money you can often have a properly rebuilt machine from a known maker or a new one from an unknown one. Neither answer is automatically right, but they fund differently — a machine with a recognised name and a serial number that means something to a valuer holds residual value, and that shows up in the terms available. Worth factoring in before you decide on price alone.

Growing the shop

Most of what we see in joinery is capacity bought against work already won — a contract that needs a bander, or a shopfitting job that needs a nesting router. That is the most straightforward funding case there is, because the repayment has an obvious source. If your workshop is full of machines you own outright, asset refinance can turn that into the deposit for the next one.

What to send us

The quotation including extraction and installation, whether the machine is new, used or refurbished, and where it is coming from. See the machinery finance hub for how the wider panel works, or forestry and sawmill kit if you are cutting your own timber. No credit check to ask.