A pod and rail CNC machining centre is usually the largest single purchase a joinery shop makes, and it is funded as a capital asset rather than a tool.
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Yes. A CNC router is funded as a hard asset on hire purchase or a finance lease, and the mainstream makes — Biesse, Homag, SCM Morbidelli, Holz-Her, Masterwood and Felder — all place well. Used machines are fundable, but with CNC the control generation matters more than the calendar age: a machine whose controller and post-processor are no longer supported is difficult to value and harder to sell on. The cost that surprises people is everything around the metal. Software seats, tooling, a vacuum pump, chiller and operator training can add up substantially, and not all of it can sit inside the same agreement.
Used kit: Yes, though the control generation matters more than the age
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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 see CNC as good security with one caveat: obsolescence. The steel frame and gantry are worth money for years, but the value sits in a machine that can still be programmed, so underwriters pay attention to the control and whether the manufacturer still supports it. Larger tickets move into full-underwriting territory with filed accounts, management information and often a director guarantee. Vendor schemes run through the major dealers are worth comparing because the manufacturer has an interest in placing the deal. Declines usually come from the borrower rather than the asset — start-ups, loss-making years without explanation, or a machine being bought speculatively with no contract behind it. A clear story about the work the CNC will do carries real weight.
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 |
|---|---|
| Biesse Rover A | Machining centre for doors and cabinet parts |
| Biesse Rover K | Compact work centre for joinery shops |
| Homag Centateq N-300 | Router for drilling routing and edge work |
| Homag Centateq P-110 | Entry machining centre for small workshops |
| SCM Morbidelli M100 | Work centre for panel and solid timber |
| SCM Morbidelli M200 | Bigger work centre for mixed joinery jobs |
| Holz-Her Pro-Master 7017 | Machining centre with tool changer |
| Masterwood Project 315 | Work centre for window and door making |
| Felder Profit H200 | Compact router for small cabinet shops |
| Vitap work centres | Routing and boring machines for joinery |
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Established joinery, shopfitting and furniture businesses that are already outsourcing machining and want the margin and the lead time back. The trigger is commonly a large contract won on the promise of in-house capability, or losing a subcontract machinist. Staircase and door manufacturers buy these to eliminate hand routing entirely, and the purchase almost always follows a year of rising subcontract invoices.
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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.
Sometimes, and it depends on the funder. Software has no resale value, so some will advance against it only where it is bundled into the machine invoice as part of the overall package, and others will exclude it entirely. Where the software is a meaningful proportion of the spend we look for a funder that takes a commercial view rather than forcing you to find it in cash.
It can be an excellent one, provided the control is current enough to be supported. A ten-year-old Biesse or Morbidelli with a live controller and a service history funds readily. The same machine with an obsolete control and no spares route is much harder, because the funder cannot see a buyer. Ask the dealer about controller support before you ask about price.
A straightforward case with clean accounts can have a decision back quickly, often within a working day or two. Larger deals that need management figures, a cash flow forecast or a guarantee take longer because a person is reading the file. The real timeline is usually driven by the manufacturer build slot, not the funding, so start both at once.
Yes, ideally. Pumps, chillers, dust hoods and tool changers are part of the working machine and fund naturally alongside it. Left off the original quote they become a separate small purchase that is awkward and expensive to fund on its own. Ask the dealer for one complete turnkey invoice covering everything needed to make the first cut.
It is not automatically fatal. Funders look at why. A loss driven by investment, a one-off legal cost or heavy director remuneration reads very differently to a loss from shrinking sales. Provide management figures showing the current year trading and a short explanation. Cases get declined for surprises far more often than for the loss itself.
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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.
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