Manufacturing and Engineering Machinery Finance

Manufacturing machinery finance lets fabricators, machine shops and production businesses add capacity for new work, funding CNC machines, laser cutters and press brakes without tying up the cash that pays for materials and wages.

From £1,000 with no upper limit
New, used and refinanced kit
Decisions within 24 hours

Cost up your next machine Discuss your production plans

Engineer holding a tablet beside a CNC machine control panel in a factory, typical of manufacturing machinery finance

Manufacturing machinery and engineering kit we fund

From a second CNC machine to a whole production cell, machine tool finance can cover the equipment, tooling and installation on one agreement. Browse all the equipment types we can fund if your business needs more than machinery.

CNC machining centres

CNC machine finance for vertical and horizontal machining centres, multi axis machines and the automation that feeds them.

Lathes and mills

Turning centres, manual and CNC lathes, milling machines and grinders for precision work.

Laser and plasma cutters

Fibre laser and plasma systems, with extraction, for cutting sheet and plate.

Press brakes and folders

Press brakes, guillotines, rolling machines and punches for sheet metal forming.

Welding and fabrication

Welding sets, robotic cells, positioners and benches for fabrication bays.

Compressors and air systems

Compressors, dryers and pipework that power tools and machines across the factory floor.

Production and packing lines

Conveyors, filling, packing and labelling lines for food, consumer and industrial products.

Handling and cranes

Forklifts, overhead cranes and workshop extraction that keep material moving.

Forklift and warehouse finance

Laser cutting head cutting shapes from a metal sheet

Built for workshops, factories and fabricators

Winning a contract usually means buying capacity before the income arrives. We look at engineering equipment finance that lets the machine start earning while you pay for it.

Precision engineers

CNC and inspection kit for tight tolerances.

Fabricators and metal workers

Cutting, folding and welding capacity.

Subcontract machine shops

Spindles that stay busy for several customers.

Food and drink producers

Production and packing lines.

Plastics and packaging makers

Moulding, cutting and finishing equipment.

Manufacturing start ups

A first machine to fulfil a first order.

Three ways to fund your manufacturing machinery

Which route fits best depends on the machine's working life, your plans for it and how you treat it for tax, and your account manager will talk it through. Manufacturers can find sector news, training and policy updates through Make UK.

Hire purchase

Pay over the term and own the machine after the final payment. It suits long lived equipment such as machining centres, which keep earning for many years.

Best for CNC machines and presses you will keep for the long term.

How hire purchase works

Finance lease

Use the machine for a fixed rental without taking on the full cost. A good fit when technology moves quickly and you expect to upgrade.

Best for laser cutters and automation you plan to renew.

How a finance lease works

Asset refinance

Own machines outright? Borrow against their value and keep the spindles turning. The cash can pay for a new machine, bridge a large order or ease a tight month.

Best for owners of paid off machines who need working capital.

How asset refinance works

From supplier quote to first part off the machine

Machinery purchases are often tied to a delivery slot or a customer deadline, so we work to agree them as quickly as the lender allows.

Step 1

Get your quote

Ask your supplier for a quote that covers the machine, tooling, delivery and installation.

Step 2

Apply online

Send us your business details for the engineering equipment finance application. For larger machines expect a request for recent accounts and perhaps details of the order book.

Step 3

Receive a decision

Lenders who know machine tools look at the deal, and you hear back from us within 24 hours.

Step 4

Sign and commission

Sign online, the lender pays the supplier and the machine is installed and commissioned.

Example: adding a fibre laser to win more subcontract work

A fabrication firm is turning away sheet metal work because its older cutting equipment is slow and often out of action. A new laser cutter would let it quote for larger contracts, but the price would use most of the cash it keeps for materials.

Funded over a fixed term through manufacturing machinery finance, the laser is cutting within weeks and the extra jobs help pay for it. If the firm also owns a press brake outright, our guide to asset refinance shows how cash could be released against it.

Rentals can often be offset against profit, and our tax relief page sets out the basics before you speak to your accountant.

Cost up your machine

Typical laser cell package

6kW fibre laser cutter£120,000

Extraction and filtration unit£14,000

Sheet loading and unloading system£28,000

Cutting software and training£6,000

Installation and commissioning£7,000

Total funded£175,000

These prices are illustrative. What you pay each month would be set by the lender after looking at your accounts, the machine and the length of the agreement.

Manufacturing finance in practice

A fabrication and machining business that used finance to add equipment.

Matt Engineering

A specialist fabrication and machining firm that funded a new compressor.

Read the case study

Manufacturing machinery finance questions

Cannot see your question? Our full FAQs cover rates, deposits and who can apply, or the team is happy to talk it through.

Useful downloads

Manufacturing machinery brochure Benefits of leasing Leasing FAQs

Weighing up growth? Read why asset finance is a smart choice for growing businesses.

Can I get CNC machine finance for a used machine?

Often, yes. Used machine tool finance is available for machines from established dealers and reconditioning specialists. Age, running hours and condition all count, and lenders may agree a shorter term than they would for a new machine.

Can tooling, software and installation be included?

Where they are itemised on your supplier's quote, tooling, software, delivery and commissioning can usually be funded with the machine. Shop floor extras such as sweepers can sit on a separate agreement, see industrial cleaning finance.

Can I refinance machines I already own?

Yes. A lender can advance cash against machines you own, through asset refinance or sale and leaseback, and production carries on as before.

Is manufacturing machinery finance tax efficient?

Rentals are usually an allowable expense, and machines bought on hire purchase may qualify for the Annual Investment Allowance. Your accountant can tell you what applies to the firm.

What if the machine has a long lead time?

Some machines take months to build and ship. Depending on the lender, a deal can be arranged around delivery and acceptance, so speak to us before you place the order.

Can a small workshop or start up apply?

Yes. Sole traders, partnerships and newer limited companies can apply, and a start up with trade experience and a clear order book can be considered. Our start up funding page covers what lenders look for.

Ready to add production capacity?

Send us the supplier's quote or tell us what you want to buy.

We will place your manufacturing machinery finance with suitable lenders and reply within 24 hours.

Begin your quote Call 0191 250 1550