Lendus.

Fibre Laser Finance

Spread the cost of fibre lasers from £80,000 to £450,000+ with flexible finance options. HP, lease or refinance; compare rates from 40+ lenders.

Can you finance a fibre laser?

Yes, fibre lasers 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 £80,000 to £450,000, 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
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Typical Cost

£80k – £450k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a fibre laser cost per month?

£160,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical fibre laser 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
Sheet metal fabricators and subcontract laser cutters wanting to own the fibre laser 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
Stay current with higher power and faster cutting technology. Off balance sheet.

Representative example

On a purchase price of £160,000: a 10% deposit of £16,000, then 48 monthly payments of £3,375 at 5.9% APR representative (fixed). Total amount payable £178,000, 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
Bodor i7 £45,000 – £90,000 Fibre Laser Cutter
Amada ENSIS-3015 £180,000 – £320,000 High-Power Fibre Laser
Bystronic ByStar Fiber £180,000 – £350,000 High-Speed Fibre Laser
Trumpf TruLaser 3030 fiber £220,000 – £400,000 Flatbed Fibre Laser

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Tax benefits

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

Market context

Fibre laser cutting machines are bought overwhelmingly by sheet metal fabricators and subcontract laser cutting shops, and fibre has now displaced CO2 as the default technology for cutting mild steel, stainless and aluminium because it cuts faster and costs less to run. Most buyers finance because a fibre laser is a six or seven figure capital item and lenders can spread the cost against the throughput the machine generates from day one. Upgrade cycles are driven by power output: a 2kW machine bought a decade ago is often replaced with a 6kW or higher unit that cuts thicker material significantly faster, rather than because the original machine has failed. New machines dominate the market at the higher power end; used fibre lasers under 4kW have a smaller but active secondary market.

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 fibre laser?
Yes, though the used market for fibre lasers is smaller than for CO2 machines since fibre is a relatively recent technology. Lenders will typically finance machines up to 8 years old, subject to an independent valuation and evidence of the resonator and cutting head condition. Because fibre sources degrade gradually with hours run rather than failing suddenly, the machine's logged running hours matter more than its calendar age.
Does finance cover extraction and installation?
Yes. Fume extraction, chillers, nitrogen or oxygen gas assist systems, material handling (loading/unloading towers), installation and commissioning can generally all be included if they appear on the supplier's invoice alongside the laser itself. This matters because extraction and gas systems for a fibre laser can easily add 10 to 20% to the total project cost. It is worth agreeing the full list of extras with your supplier in advance and getting everything itemised on one invoice, since anything added after the agreement is signed usually has to be paid for separately.
What power supply does a fibre laser need?
A fibre laser cutting machine typically needs a three-phase 400V supply, with current draw scaling with laser power; a 3kW machine might draw 30 to 40 amps, while a 12kW machine can draw well over 100 amps. It is essential to confirm supply capacity, and any required upgrade, with your electrical contractor and the machine supplier before finalising the order.
How long does a fibre laser last against a typical finance term?
A fibre laser resonator is typically rated for 50,000 to 100,000 hours of use, which translates to well over a decade of single-shift running, comfortably outlasting a typical 3 to 7 year finance agreement. Many fabricators deliberately finance on shorter terms so they can move to higher power output as their order book grows, rather than running the same machine until it wears out.
Do fibre lasers hold their value?
Better than CO2 machines, because fibre sources need far less maintenance and the technology has a longer service life. A well-specified fibre laser from an established brand with logged hours and service records will retain meaningful resale value at 5 to 8 years old, particularly if it has beam delivery upgrades or a recent optics service. Keeping full service records and having any major wearing component reconditioned on schedule is the single biggest thing an owner can do to protect a fibre laser's resale value.

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