Lendus.

Bridge Saw Finance

Spread the cost of bridge saws from £15,000 to £320,000+ with flexible finance options. HP, lease or refinance; compare rates from 40+ lenders.

Can you finance a bridge saw?

Yes, bridge 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 £15,000 to £320,000, 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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2-minute application
No credit check to apply
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Typical Cost

£15k – £320k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a bridge saw cost per month?

£90,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical bridge saw 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
Worktop fabricators and masonry contractors wanting to own the bridge saw 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 £90,000: a 10% deposit of £9,000, then 48 monthly payments of £1,899 at 5.9% APR representative (fixed). Total amount payable £100,152, 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
Manual bridge saw, 3–3.2m rail £15,000 – £40,000 Manual Bridge Saw (specification class)
3-axis CNC bridge saw, 3.5m bridge £70,000 – £150,000 CNC Bridge Saw (specification class)
5-axis CNC bridge saw with automatic tool change £150,000 – £320,000 5-Axis CNC Bridge Saw (specification class)

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Tax benefits

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

Market context

The bridge saw is the core cutting machine for most worktop fabricators, memorial masons and building stone contractors, and buyers finance it because it is usually the single largest plant purchase the business makes, tying up capital that is otherwise needed for stone stock, templating equipment and site work. 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. On a bridge saw this is typically integral, with the water feed built into the head and rail rather than bolted on. Replacement or upgrade is usually driven by a move from 3-axis to 5-axis CNC for mitred and profiled edges, or by needing a longer bridge for bigger slabs, rather than the machine failing; the granite or steel bed and gantry are heavy-duty and long-lived. A well-established international used market for bridge saws supports both refinancing an existing machine and buying used with confidence.

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 bridge saw?
Yes, and it's common. Bridge saws hold their value well because the bed, gantry and rail are heavy, durable structures, so a 5 to 10 year old CNC bridge saw from a recognised manufacturer is a realistic asset to finance. Lenders will usually want a recent independent valuation or condition report once the machine is over 5 years old, alongside photos and the serial number.
What's the difference between financing a 3-axis and a 5-axis bridge saw?
The finance structure is the same, HP, finance lease or operating lease are all available for either, but the amount borrowed and therefore the deposit and monthly payment scale with the machine's price, since a 5-axis CNC bridge saw with automatic tool change sits well above a manual or 3-axis machine. Lenders will also look more closely at your order book for complex mitred or profiled work when the deal size is larger.
Does finance cover installation and commissioning?
Installation, levelling and commissioning can usually be included if itemised on the supplier's invoice alongside the saw itself, since the bed needs to be precisely set and the software commissioned before the machine is production-ready. It's worth agreeing the full scope, including any operator training, with your supplier before signing, so nothing has to be paid for separately once the agreement is in place.
How quickly can I get bridge saw finance approved?
Straightforward deals under £100,000 are often approved same-day to 48 hours once your accounts and the supplier quote are in. Larger CNC bridge saw deals, particularly for a new-to-lending business or an unusually specified machine, can take 5-7 working days while the lender arranges a valuation or asset inspection. 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.
Can I refinance a bridge saw I already own outright?
Yes. Refinancing releases the equity tied up in a bridge saw you own outright by using it as security for a new lending agreement, which frees up cash for other purposes such as working capital or a second machine. Because bridge saws have an active used market, lenders are generally comfortable lending against one as security, subject to a valuation.

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