Lendus.

Block Splitter Finance

Spread the cost of block splitters from £5,000 to £45,000+ with flexible finance options. HP, lease or refinance; compare rates from 40+ lenders.

Can you finance a block splitter?

Yes, block splitters 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 £45,000, and most deals are written over 12–84 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 – £45k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a block splitter cost per month?

£15,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical block splitter price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
12–84 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Masonry and paving contractors wanting to own the splitter outright

Finance Lease

Rate
From 4.5% APR
Term
12–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax efficient; claim 100% of payments against profit

Operating Lease

Rate
From 5.2% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Off balance sheet, always current with the latest model.

Representative example

On a purchase price of £15,000: a 10% deposit of £1,500, then 48 monthly payments of £316 at 5.9% APR representative (fixed). Total amount payable £16,668, 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
Hydraulic guillotine block splitter, single station £5,000 – £15,000 Guillotine Block Splitter (specification class)
Multi-blade hydraulic block splitter £15,000 – £30,000 Multi-Blade Block Splitter (specification class)
Automated conveyor-fed block splitter £30,000 – £45,000 Automated Block Splitter (specification class)

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Tax benefits

Block splitters qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase, up to £1,000,000 for qualifying plant and machinery. HP agreements let you claim capital allowances on the asset as it sits on your balance sheet; lease payments are generally deducted as an operating expense.

Market context

Block splitters are bought by paving and walling contractors, garden and landscape product manufacturers and memorial masons to produce a riven, textured face on stone or concrete blocks by mechanical splitting rather than cutting. Cutting and grinding natural or engineered stone produces respirable crystalline silica dust, so processors specify a wet-cut machine with an integral water feed and buy local exhaust extraction or a suppression system alongside the cutting equipment itself, rather than treating dust control as an optional extra fitted later. Splitting produces less fine dust than sawing since it's a mechanical fracture rather than an abrasive cut, but coarse dust and stone chips still need managing at the workstation. Buyers finance a block splitter because moving from hand-splitting to a hydraulic machine is usually driven by winning a contract that needs consistent output volume the manual method can't sustain, and the machine needs to be earning against that volume rather than depleting cash reserves. Replacement is typically driven by needing more blade stations or an automated feed for higher throughput, rather than the splitter wearing out, since the hydraulic ram and frame are simple and durable.

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

Can I finance a used block splitter?
Yes. Block splitters are simple hydraulic machines with few wear parts beyond the blades and hydraulic seals, so lenders will readily finance used equipment, typically up to 10-15 years old. Ask the seller about hydraulic seal condition and blade wear, since these are the parts most likely to need attention on an older machine. It's worth having photos, the serial number and any service or maintenance records ready when you apply, since this is exactly the evidence a lender looks for to support a used equipment application and can speed up the decision.
What deposit do I need for a block splitter?
Hire purchase typically asks for a 10-20% deposit, while finance leases and operating leases often need none at all. Given the relatively modest cost of most block splitters compared to a bridge saw or CNC router, many smaller masonry and paving businesses find a no-deposit lease the more manageable option for cash flow. Putting down a larger deposit than the minimum can also strengthen an application from a newer or smaller business, since it reduces the amount the lender is exposed to over the term and can unlock a better rate.
How quickly can I get block splitter finance approved?
Most applications for a block splitter are approved within 24 to 48 hours, since the deal size and asset are both straightforward for a lender to assess. Same-day approval is common for deals under £100,000, which covers the great majority of block splitter purchases. Having your latest accounts, bank statements and a signed supplier quote ready before you apply is the single biggest factor in reaching a decision at the faster end of that timescale.
Do I need to have been trading for a minimum period?
Most lenders prefer 2 or more years of trading history for standard terms on a block splitter. Newer paving or masonry businesses can usually still get approved, but may be asked for a personal guarantee or a slightly higher deposit until a trading track record builds up. Your supplier and lender can talk you through the detail relevant to your specific purchase, since the right answer often depends on exactly how the equipment and any ancillary systems are specified.

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