Machinery Finance provides UK companies with tailored funding to purchase, lease, or upgrade heavy-duty equipment. It supports capital investments in manufacturing, engineering, construction, and other machinery-intensive sectors, helping businesses remain competitive and expand operations without upfront expenditure.
UK-based limited companies with at least 6–12 months of trading history are typically eligible. Lenders assess creditworthiness, financial statements, and operational scale. Applicants must demonstrate the machinery’s relevance to core business activities.
Finance amounts usually start from £10,000 and can exceed £1 million, depending on the equipment value, supplier, and business financials. Structured repayments can be arranged for larger capital projects.
Approvals can take 3–7 business days, especially for high-value or custom-built machinery. Once finalised, suppliers are typically paid directly within a few days.
Funding can be used for new or used machinery such as CNC machines, presses, conveyor systems, and production equipment. Finance can also cover installation, transport, and related project costs.
Interest rates range from 4% to 12%, based on the machinery’s value and loan terms. Repayment periods usually span 1 to 7 years. Balloon payments or seasonal terms may be available to suit your cash flow.
Complete our quick online form with a few details about your business and what you need funding for. No commitment, no jargon.
A dedicated finance expert will get in touch to understand your needs and tailor options that work for your business.
We’ll match you with trusted lenders from our panel, offering competitive rates and flexible terms suited to your sector.
Review your finance offers with full transparency. We’ll guide you through the details so you can make a confident decision.
Once approved, your funds are released quickly — often within 24–48 hours — so you can get back to growing your business.
Agriculture & Natural Resources
Technology & Telecommunications
Manufacturing & Industry
Transportation & Logistics
Healthcare and Life Sciences
Entertainment & Media
Yes, provided it’s in good condition, has verifiable history, and is sourced from a reputable vendor. Some lenders may require an independent valuation.
Many lenders will include ancillary costs like installation, software integration, or setup in the total finance amount, especially for large projects.
Yes, but there may be additional documentation or checks. Currency exchange and import duties may also affect the total finance available.
You may be able to refinance or upgrade under a new agreement, especially if your business demonstrates continued growth.
Some lenders request a 10–20% deposit, particularly on large or bespoke machinery. Others offer 100% financing with higher interest.
.png)
"Machinery finance empowers businesses to acquire high-value equipment without the burden of a large initial outlay. By financing machinery over a fixed term, companies can align repayments with revenue generation, improving budgeting and operational efficiency while keeping essential assets up to date."
