Lendus.

CNC Router Finance

Spread the cost of CNC routers from £8,000 to £250,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a cnc router?

Yes, cnc routers 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 £8,000 to £250,000, 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

£8k – £250k

Approval Speed

24–48 hours

Same-day for < £50k

Rates From

4.8% APR

What would a cnc router cost per month?

£45,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical cnc router price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.2% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Workshops wanting to own the router 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
Upgrade to latest routing technology. Off balance sheet.

Representative example

On a purchase price of £45,000: a 10% deposit of £4,500, then 48 monthly payments of £949 at 5.9% APR representative (fixed). Total amount payable £50,052, 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
Biesse Rover B £80,000 – £150,000 Flat Table CNC
SCM Morbidelli M100 £60,000 – £120,000 Nesting Router
Axiom Precision AR8 Pro+ £8,000 – £15,000 Benchtop CNC
Anderson Selexx Pro £35,000 – £70,000 3-Axis Router

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Tax benefits

CNC routers 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

CNC routers are bought by joinery and cabinet-making shops, sign makers, and composite and plastics fabricators moving from manual cutting to repeatable, programmed production. Finance suits smaller workshops in particular, where the router is often the first serious capital purchase and owners want cash free for material stock and wages while the new capability beds in. Replacement tends to follow a move to a larger bed size, a second spindle, or nesting and automatic tool-change capability the business has grown into needing, rather than the original router wearing out. A reasonable used market exists for machines from established brands, and buyers moving up in size often part-exchange the old one.

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 CNC router?
Yes, most lenders finance used CNC routers up to around 8 years old. Well-maintained machines with updated control software and a documented service history retain good value, particularly from established manufacturers with a strong parts and support network. An independent valuation is required for older machines, since bed and spindle condition matter more to resale value here than age alone. A router that has had regular spindle servicing and bearing replacement will generally be viewed more favourably by a lender than one with an unknown maintenance history.
What deposit do I need for CNC router finance?
For hire purchase, most lenders ask for a 10-20% deposit, while finance leases and operating leases can often be arranged with no deposit at all. Larger deposits reduce the monthly payment, which is worth weighing against keeping cash available for material stock and wages, particularly for a smaller workshop where the router is often the first serious capital purchase the business has made. Putting down a larger deposit can also help secure a better rate on a higher-specification machine with a larger bed or multiple spindles.
How quickly can I get CNC router finance?
Most applications are approved within 24-48 hours, and same-day approval is common for deals under £50,000, which covers the majority of joinery, sign-making and single-spindle router purchases. A larger multi-spindle or nesting machine, particularly one bought alongside extraction, tooling and software as a full installation, takes slightly longer to review since the lender needs to assess the complete specification rather than the router alone. An itemised supplier quote speeds this up considerably.
Can I include extraction and tooling in the finance?
Yes, provided they appear on the supplier's invoice alongside the router itself, most lenders fund dust extraction, tooling packages and software licences as part of the same agreement rather than requiring them to be paid separately. This is common for a first router purchase, where extraction in particular is a significant additional cost that a small workshop would otherwise have to find separately. Keeping everything on one itemised invoice makes it straightforward to include the full installation in a single finance amount.
What happens at the end of a CNC router finance agreement?
Hire purchase transfers full ownership of the router once the agreement is paid off, which suits most workshops since a well-maintained machine keeps running for many years. A finance lease usually offers a balloon payment to take ownership, continued rental, or handover to the funder, while an operating lease is return-only, which suits a business planning to move up in bed size or spindle count once it grows into needing that extra capacity rather than keeping the original machine long-term.
Can a new joinery or sign-making business finance a CNC router?
Yes, though a business under two years of trading is more likely to be asked for a personal guarantee, a higher deposit, or evidence such as a business plan and confirmed orders to support the application. Because a CNC router is often the first serious capital purchase a small workshop makes, lenders active in this space are generally used to assessing newer businesses on the strength of the owner's trade experience and order pipeline rather than trading history alone.

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Guides and resources

What Is Asset Finance? HP vs Leasing Operating vs Finance Lease Best Asset Finance Companies Close Brothers Review Lombard Review

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