Assembly is where a well-made cabinet gets pulled out of square, and clamping equipment is the cheapest insurance a furniture shop can buy.
Whole-of-market — 60+ lenders searched, including
Yes. Case clamps and frame clamps are funded as equipment on hire purchase, though they sit lower down the hard asset scale than the cutting machines around them. They are largely fabricated steel with pneumatics, they are moved easily, and the used market is thinner than for saws or banders, so funders take a more measured view of resale. Standalone applications are assessed mainly on your business rather than the frame. The far easier approach is to include the clamp on the same order as the saw, bander or boring machine, where it funds without any separate scrutiny.
Used kit: Yes, but usually as part of a larger order rather than on its own
Get a quoteor call 07581 364281
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).
Clamping equipment is a good example of an asset that is physically substantial but not especially liquid. There is no deep trade in second-hand case clamps the way there is in panel saws, so a funder recovering one faces a slow sale at a modest figure. That pushes standalone deals towards the soft asset end, where the decision follows your trading history, filed accounts and director profile rather than the kit. Automatic squaring and clamping stations from recognised manufacturers fare better because they are identifiable and in demand in the cabinet trade. The practical route is bundling: put the clamp on the machine order it belongs with, and it rides on the back of an asset the funder is genuinely comfortable with.
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 |
|---|---|
| Italpresse case clamps | Automatic carcass clamps for cabinet assembly |
| Orma frame presses | Presses for squaring frames and carcasses |
| Gannomat case clamps | Assembly clamps for cabinet and drawer boxes |
| Ritter clamp carriers | Rotary carriers for panel glue ups |
| James L Taylor clamp carriers | Clamp carriers for solid timber panels |
| Stegherr frame clamps | Clamping machines for window and door frames |
| Bacci assembly clamps | Clamping systems for chairs and frames |
| Bessey sash cramps | Hand cramps for bench assembly work |
Get a quoteor call 07581 364281
Cabinet and kitchen manufacturers assembling carcases in batches, and door, window and gate makers cramping frames. The trigger is usually a quality or labour problem — racked carcases coming off the bench, or two people tied up doing what a clamp does alone. Shops that have just installed a nesting machine often find assembly becomes the constraint within months, because machining output has jumped and assembly has not.
Get a quoteor call 07581 364281
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.
You can, but it is assessed largely on your business rather than the equipment because the second-hand market is thin. That tends to mean a soft asset or unsecured decision. If another machine is being bought in the same period, adding the clamp to that invoice is quicker, simpler and usually costs you less.
It depends on batch size. An automatic squaring station earns its keep where you are assembling runs of identical carcases every week. For mixed bespoke work a good manual clamp and a square bench may serve you better. Funders will finance either, so let the production case decide rather than the finance.
Loose cramps are tools, not assets, and no funder will write an agreement against a rack of them. A purpose-built hydraulic cramping bench is a different matter and can be included. The line is roughly whether the item has a serial number and a resale identity of its own.
Usually not. Most clamps stand on the floor rather than being built into the structure, so the fixture question that bites on booths and extraction does not arise. If yours is being bolted to a concrete base as part of an assembly line, mention it, because that changes how a cautious funder sees it.
Not to one already running, no. An agreement covers the assets listed when it was drawn up. What can be done is a second agreement, or a settle-and-rewrite where you are buying enough new equipment to make that sensible. Tell us before you order and we will look at which is cleaner.
Get a quoteor call 07581 364281
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.