Finance for the machines that make UK manufacturing.
Vertical and horizontal mills, lathes, multi-axis, full 5-axis cells. From a single Haas VF2 to a fully integrated robotic line. Tax-efficient structures, big-ticket lender panel.
Indicative rate may start at
7.9% APR
Deposit
5–15% typical
Term
48–84 months
Typical ticket
£60k single mill → £1.5m cell
Specifics matter. Here's what's in scope.
Vertical machining centres
Haas VF/UMC, DMG Mori NHX/DMU, Mazak VTC, Hurco VM, XYZ. New and ex-demo from authorised dealers.
Lathes & turning centres
Doosan/DN Solutions, Mazak Quick Turn, Haas ST, Okuma LB. Live tooling, sub-spindle, bar feeders included in the agreement.
5-axis & multi-axis
Mazak Variaxis, DMG Mori DMU, Hermle, Matsuura. Higher ticket items but lender panel comfortable to £1.5m.
Robotic cells & automation
Fanuc, ABB, KUKA cobots, integrated pallet systems, bar feeders. Funded as a turnkey package alongside the host machine.
Press brakes & laser
Trumpf, Bystronic, Amada, Salvagnini. Fibre laser cutters, plasma cutters, hydraulic press brakes.
Software & soft costs
CAM software (Mastercam, Fusion, hyperMILL), training, foundations, three-phase, dust extraction — bundled into the same facility.
Three reasons cnc machines buyers finance.
Match the term to the payback
A £180k VMC paid back over 5 years through additional capacity costs less per month than the contracts it unlocks. Finance turns capex into operating cost.
Potential capital allowances
Qualifying plant and machinery expenditure may be eligible for capital allowances depending on the business, asset, agreement and current rules. Confirm the treatment with an accountant or tax adviser.
Free up cash for tooling and people
A new machine needs tooling, fixtures, training and probably a programmer. Locking £180k of cash in the iron leaves nothing for the rest.
From quote to cnc machines on the road.
Send the dealer quote
Machine specification, soft costs and lead time help shape an enquiry. Any approval, validity period and payment timing depend on the provider and final documentation.
Big-ticket lender match
Provider appetite, pricing and timing depend on the asset, customer circumstances and proposed agreement. Any available terms are confirmed in writing.
Pay-on-commissioning
Deposit, supplier-payment, commissioning and payment-start arrangements depend on the supplier, provider and proposed agreement.
Hire Purchase usually wins for cnc machines.
Hire purchase may be considered where an ownership-transfer structure suits the proposed asset and business plan. Tax and accounting treatment should be confirmed with a qualified adviser.
Move from asset choice to a more informed funding discussion.
Monthly-cost calculator
Model indicative repayments and compare potential structures.
Run the numbersManufacturing case study
See a real case study from the sector in which this asset is used.
Read the case studyManufacturing equipment finance guide
Read planning considerations for machine tools, production lines and manufacturing equipment.
Read the guideCNC Machine Finance — what people ask.
Will lenders fund a machine being imported from Germany or Japan?
Yes — common for DMG Mori, Mazak, Okuma and Hermle. Most agreements are GBP-denominated with the lender paying the dealer in their currency. ECA-backed structures also available on larger imports.
Can I include installation, training and software?
Yes — most lenders package up to 20% of the machine value as soft costs (foundations, three-phase, ducting, training, software, calibration). On larger projects we sometimes structure soft costs as a separate facility drawn alongside the main HP.
What if delivery slips by 6 months?
Standard for premium European machine tools. Our credit approvals hold for 6 months and can usually be re-issued without re-underwriting. The agreement only goes live on commissioning, so a delay doesn't cost you anything.
Can I refinance a machine I already own?
Yes — common for funding expansion. We instruct a CTM-qualified valuer, agree open-market value, and refinance up to 80–90% of that. Cash arrives in 7–14 days, machine never moves.
Ready to fund your cnc machines?
Discuss the asset, your circumstances and suitable finance options with an experienced broker. Read our commission disclosure.
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