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CNC Stone Router Finance

Spread the cost of cnc stone routers from £40,000 to £280,000+ with flexible finance options. HP, lease or refinance; compare rates from 40+ lenders.

Can you finance a cnc stone router?

Yes, cnc stone 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 £40,000 to £280,000, 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

£40k – £280k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a cnc stone router cost per month?

£110,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical cnc stone router 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
Fabricators wanting to bring CNC shaping and profiling in-house and own the machine 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 £110,000: a 10% deposit of £11,000, then 48 monthly payments of £2,320 at 5.9% APR representative (fixed). Total amount payable £122,360, 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
3-axis CNC router, 2 x 1.5m bed £40,000 – £90,000 3-Axis CNC Stone Router (specification class)
4/5-axis CNC router with tool changer £90,000 – £180,000 5-Axis CNC Stone Router (specification class)
Twin-bridge CNC router with automatic tool magazine £180,000 – £280,000 Twin-Bridge CNC Router (specification class)

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Tax benefits

CNC stone routers 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; lease payments are generally deducted as an operating expense across the lease term.

Market context

CNC stone routers are bought by worktop fabricators, kitchen and bathroom installers and shopfitting stone contractors bringing shaping, profiling and sink cut-outs in-house that were previously outsourced or done by hand. 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 router this typically means wet tooling and a flood coolant system specified alongside the machine. Buyers finance because a CNC router represents a significant jump in capability and cost over manual profiling tools, and spreading the payment lets the business take on the higher-value CNC work the machine enables without depleting the cash needed for materials and wages in the meantime. Replacement is usually driven by wanting a 5th axis, a larger bed or a faster tool changer for more complex jobs, rather than the machine failing, since the frame and gantry are built for continuous industrial use. An established used market, particularly for machines from the well-known Italian and North American stone machinery builders, supports both refinancing and buying used.

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 stone router?
Yes, most lenders will finance a used CNC stone router up to around 10 years old. Because the control software and spindle condition matter as much as the frame, it's worth asking the seller for maintenance records and a recent spindle service history before you apply; this speeds up the credit decision and can improve the terms you're offered. 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 is typical for a CNC stone router?
Hire purchase deals usually ask for a 10-20% deposit, while finance leases and operating leases often require none. Given the size of a typical CNC router deal, a larger deposit can materially reduce your monthly payment, and some lenders will improve the rate offered where the deposit is higher. 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.
Does finance cover tooling and the coolant system?
Yes, provided everything is itemised on the supplier's invoice alongside the router. Router bits, the flood coolant system and any dust or slurry extraction fitted at installation are routinely included in the same agreement. It's worth agreeing the complete specification with your supplier before signing, since tooling added later is usually a separate purchase. If in doubt, ask your supplier to itemise every element of the quote clearly before you apply, since anything left off the invoice at that stage is harder to add to the agreement later.
How long does a CNC stone router typically take to install and commission?
Installation, levelling and software commissioning for a CNC stone router is a specialist job that typically takes several days once the machine is on site, and most suppliers include operator training as part of the package. It's worth confirming installation timescales with your supplier before finance is drawn down, since some agreements are structured to release funds against delivery and commissioning milestones rather than delivery alone.

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