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Beam Saw Finance

Spread the cost of a beam saw or vertical panel saw from £5,000 to £180,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a beam saw?

Yes, beam saws are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £5,000 to £180,000, and most deals are written over 12–72 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£5k – £180k

Approval Speed

24–48 hours

Same-day for < £30k

Rates From

4.8% APR

What would a beam saw cost per month?

£50,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical beam saw price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.3% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses wanting to own the beam saw outright

Finance Lease

Rate
From 4.8% APR
Term
12–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.5% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Increase cutting throughput without a large upfront outlay. Off balance sheet.

Representative example

On a purchase price of £50,000: a 10% deposit of £5,000, then 48 monthly payments of £1,055 at 5.9% APR representative (fixed). Total amount payable £55,640, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Striebig Compact £5,000 – £9,000 Vertical Panel Saw
Striebig Standard S £9,000 – £18,000 Vertical Panel Saw
Single-blade beam saw (Holzma/Selco class) £30,000 – £75,000 CNC Beam Saw
Angular/optimising beam saw with automation (Holzma/Schelling class) £75,000 – £180,000 Production Beam Saw

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Tax benefits

Beam saws qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP agreements allow capital allowances. Lease payments are fully deductible.

Market context

Beam saws and vertical panel saws are bought by kitchen, furniture and shopfitting manufacturers who need to break down full sheets of board with computer-optimised cutting lists rather than manual measuring and marking. Vertical saws such as Striebig suit workshops with limited floor space, since the panel is loaded upright rather than needing a large flat sliding table. Because a beam saw sits at the front of the production line, businesses moving up from a panel saw usually finance the upgrade to avoid a gap in cutting capacity while cash is tied up elsewhere. Replacement is typically driven by wanting cutting optimisation software, faster blade change, or automated offcut handling, rather than the saw wearing out. Striebig vertical saws have an established UK dealer network and a genuine used market; CNC-optimising beam saws from Holzma, Selco and Schelling are more specialised and usually financed new. A three-phase supply and dust and offcut extraction sized to the cutting volume are standard requirements.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

What's the difference between a vertical panel saw and a CNC beam saw for finance purposes?
A vertical panel saw such as a Striebig holds the sheet upright and is operated manually, suiting a smaller workshop with limited floor space, while a CNC beam saw automates the cutting sequence using optimisation software for high-volume production. Both are financed the same way through hire purchase or lease, but the far higher cost of a CNC beam saw usually means a longer term to keep monthly payments manageable.
Can I finance a used beam saw?
Yes, for Striebig vertical saws in particular, which are readily available second-hand through the UK dealer network and are financeable, typically over a shorter term than new. CNC-optimising beam saws from Holzma, Selco and Schelling appear on the used market less often, so new equipment finance is more common for those, usually with a longer term given the higher purchase price.
Do I need three-phase power for a beam saw?
CNC beam saws and larger automated cutting lines are built for a three-phase supply given the motor power and automation involved. Some compact vertical panel saws are available in single-phase versions, which suits a smaller workshop. Confirm the electrical requirement of the specific machine against your workshop's supply before ordering, particularly when stepping up from a manual panel saw. It is worth having your workshop's electrical supply checked by a qualified electrician alongside planning the extraction the saw will need, so both can be arranged together before installation.
What deposit do I need for beam saw finance?
For hire purchase, most lenders ask for a 10–20% deposit. Finance leases and operating leases can often be arranged with no deposit at all. Given the wide price range in this category, from an entry vertical saw to a full CNC-optimising beam saw, the deposit and term are usually tailored to the specific machine's value and the business's cash flow preference.
How quickly can I get beam saw finance?
Most applications are approved within 24–48 hours, with same-day approval common for deals under £30,000. Larger CNC-optimising beam saws with cutting software and automated offcut handling typically take longer to assess, as the lender reviews the full specification and, on bigger deals, the business's trading history and order book. A clear supplier quote setting out the exact specification is usually all that's needed to keep a straightforward application moving at that pace.

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