A horizontal beam saw is a production decision rather than a workshop upgrade, and the funding usually has to stretch across the saw, the software and the install.
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Yes, and a beam saw is one of the strongest propositions in woodworking because the machines are big, serial-numbered and traded internationally. It is written as a hard asset on hire purchase or a finance lease. Dealer-refurbished Holzma, Homag, SCM and Biesse saws fund readily. The complication is scope: a beam saw arrives with optimisation software, a lifting table, air flotation, sometimes an automatic label printer and a fortnight of installation. Software licences and training are soft costs that some funders will not advance against, so the deal needs structuring properly rather than simply handing over the dealer quote and hoping it goes through as one number.
Used kit: Yes, dealer-refurbished machines up to about fifteen years old
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Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 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. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
Funders treat this as prime hard asset paper. The saws are heavy, they are logged by serial number, and there is an active European market in used Holzma and Gabbiani machines, so recovery value is real rather than theoretical. Larger-ticket sizes push the deal into the part of the market that underwrites on full filed accounts and management figures rather than a credit score, so expect to provide up-to-date numbers, an aged debtor listing and an explanation of what the saw is replacing. Deals get declined where the borrower is a young business making a very large first step, or where the invoice is loaded with software and installation that dwarfs the metal. Splitting the quote into machine and ancillaries almost always improves the outcome.
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 |
|---|---|
| Homag Sawteq B-300 | Front loading beam saw for panel cutting |
| Homag Sawteq B-200 | Compact beam saw for smaller cutting rooms |
| Holzma HPP 250 | Single head beam saw for cabinet production |
| Holzma HPP 350 | Faster beam saw for larger panel output |
| SCM Gabbiani G 2 | Beam saw with angular cutting option |
| SCM Gabbiani S 21 | Entry beam saw for growing panel shops |
| Biesse Selco WN 6 | Beam saw for high volume board cutting |
| Biesse Selco EB 70 | Compact beam saw with lifting table |
| Schelling fh 4 | Heavy beam saw for factory panel processing |
| Giben beam saws | Panel saws for cutting rooms of all sizes |
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Kitchen, bedroom and office furniture manufacturers cutting full sheets in volume, and trade board cutting services. The trigger is almost always a saw that has become the bottleneck — the sliding table saw cannot keep up with the CNC or the edge bander behind it, or scrap rates on melamine have become unacceptable. Second machines get bought when one breakdown stops the whole factory.
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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.
The machine itself, the lifting or air table, the rear loader and the commissioning are all normally fundable. Optimisation software licences, annual support contracts and building work are the parts that need care, because they leave nothing behind for the funder to recover. We tend to build the core asset into one agreement and find a route for the rest rather than dropping it from the quote.
Yes. Holzma and its Homag successor machines have a genuine international resale market, so age is less of a barrier than it would be on a niche make. Funders want to know who refurbished it, whether the pressure beam and saw carriage have been checked and whether the control is still supported. A dealer-backed machine with a warranty is far easier to place than a bare auction lot.
For anything beyond a modest ticket, yes. Underwriters will want your last filed accounts, recent management figures and often a bank statement run. It is not an obstacle, it is simply how larger asset deals are assessed. If your filed numbers look weak because of directors remuneration or a one-off write-down, tell us up front so it can be explained rather than discovered.
Often yes, if you own it outright and it is a mainstream make in good order. Refinance releases cash against equipment already sitting on your floor, which shops use to fund an edge bander or a CNC without touching the overdraft. The funder will want the original purchase invoice, proof there is no outstanding agreement, and usually an inspection or photographs.
Nothing dramatic, but the paperwork needs managing. Funders pay out against delivery and acceptance, so a long commissioning period can leave a gap between the supplier wanting money and the agreement starting. Staged payments to the dealer can be arranged where the machine is being built to order. Flag a long lead time at the quote stage and it is a non-event.
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See everything we fund in woodworking machinery finance →
Not an offer of finance. All finance is subject to status, affordability and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.