Capex that earns its keep from month one.
From a single CNC mill to a fully integrated robotic cell. We fund machine tools, press brakes, packaging, MHE and the ancillaries that make a production line run.
CNC
Machine-tool and production-line discussions
Tax
Potential capital-allowance considerations
Term
Set by the proposed agreement
Deposit
Depends on the asset and circumstances
If it earns its keep, we've probably funded one.
CNC machine tools
Vertical & horizontal mills, lathes, multi-axis, 5-axis. DMG Mori, Haas, Mazak, Hurco, XYZ, Doosan, Okuma.
Press brakes & shears
Hydraulic and electric press brakes, guillotines, fibre laser cutters, plasma. Trumpf, Bystronic, Amada, Salvagnini.
Robotics & automation
Cobots, 6-axis robots, end-of-arm tooling, integrated cells. Fanuc, ABB, KUKA, Universal Robots.
Packaging & end-of-line
Wrappers, palletisers, labellers, conveyor systems, depalletisers. Funded as one integrated line.
MHE & forklifts
Counterbalance, reach trucks, VNA, AGVs, conveyors, racking. Often funded together as a warehouse upgrade.
Inspection & quality
CMMs, vision systems, surface analysers, 3D scanners. Frequently soft assets — we know which lenders fund them.
How manufacturing deals usually structure.
Typical ticket
£80k – £600k per cell
Range we fund
£25k inspection rig → £2m turnkey line
Term
48 – 84 months
Deposit
5 – 15%
Structure
Possible hire-purchase, finance-lease or refinance discussions depend on the asset, agreement, provider and customer circumstances. Tax treatment needs professional advice.
The usual pain.
Long lead times tie up cash
Machine-tool lead times, staged payments and commissioning can affect a proposed finance structure. Available arrangements depend on the provider, supplier and agreement.
Installation costs explode the budget
Foundations, three-phase supply, dust extraction, training and software can form part of a wider project. Whether costs can be included depends on the provider and agreement.
Banks miss the tax angle
Qualifying expenditure on plant and machinery may be eligible for capital allowances such as the Annual Investment Allowance, full expensing, first-year allowances or writing-down allowances, depending on the business, asset and circumstances. Tax treatment should be confirmed with a qualified accountant or tax adviser.
How we structure it.
Big-ticket lender panel
Specialist-provider routes may be considered for machine tools and imported equipment where they fit the proposed asset and customer circumstances.
Imported equipment ready
Imported-equipment finance can involve supplier, currency, delivery, commissioning and security considerations. Available routes depend on the proposed agreement and provider.
Tax-led structuring
We can discuss the information your accountant may need to assess potential capital allowances. We do not determine a tax outcome or recommend a particular allowance.
Capital-allowance note
Qualifying expenditure may be eligible for capital allowances, but the available relief depends on the business, asset, acquisition method and current rules. HMRC sets separate conditions for the Annual Investment Allowance, full expensing and first-year allowances. Confirm the position with an accountant or tax adviser before entering an agreement.
Read HMRC’s 2026 capital-allowances guidanceA real manufacturing deal we placed.
£420,000
£420k CNC line refinanced to release growth capital
A 12-year-old precision engineering firm owned £600k of CNC kit outright but needed working capital to bid on an aerospace tier-2 contract. Overdraft was maxed and the bank wanted a debenture.
Read the full storyHelpful next steps for manufacturing businesses.
Explore the asset, agreement type, planning tools and guide most relevant to the equipment you are considering. The case study above shows a real example from this sector.
CNC machine finance
Funding information for machine tools, production equipment and CNC assets.
ExploreEquipment finance
Explore finance options for business equipment and machinery.
ExploreHire purchase
Understand a potential ownership-transfer structure for productive assets.
ExploreFinance lease
Read about an alternative structure for the use of business equipment.
ExploreMonthly-cost calculator
Model indicative repayment scenarios before approaching a provider.
ExploreManufacturing equipment guide
Read a guide to planning finance for production-line and machine-tool investment.
ExploreQuestions manufacturing customers ask.
Can a financed asset qualify for capital allowances?
Potential capital allowances depend on the business, asset, acquisition method and current rules. For example, the Annual Investment Allowance, first-year allowances, full expensing and writing-down allowances have different conditions. Your accountant or tax adviser should confirm the treatment before you enter an agreement.
Can finance cover installation, training and software?
Installation, foundations, training, software and calibration may be considered as part of a wider project, but inclusion depends on the asset, supplier information, provider and proposed agreement.
What if the machine is being imported with a long lead time?
Imported equipment and long lead times require early discussion of supplier, currency, deposit, delivery and commissioning information. Any approval, payment timing and agreement start date depend on the provider and final documentation.
Can I refinance a machine tool I already own?
Refinance may be considered for an owned machine tool where the asset, valuation, security, business information and provider criteria support it. Any amount, timing and terms are confirmed only in a formal proposal.
Ready to fund the next bit of manufacturing kit?
Tell us about your asset and business circumstances to discuss suitable funding options. Read our commission disclosure.
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