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Finger Jointer Finance

Spread the cost of a finger jointing line from £15,000 to £100,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a finger jointer?

Yes, finger jointers 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 £100,000, and most deals are written over 24–72 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

£15k – £100k

Approval Speed

24–48 hours

Full review for > £60k

Rates From

4.8% APR

What would a finger jointer 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 finger jointer price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.3% APR
Term
24–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses wanting to own the line outright

Finance Lease

Rate
From 4.8% APR
Term
24–72 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
36–60 months
Deposit
None required
Ownership
Return at end
Best for
Bring finger jointing in-house without a large upfront outlay. 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
Entry finger jointing line (GreCon/Weinig class) £15,000 – £35,000 Entry Finger Jointing Line
GreCon ProfiJoint class finger jointing line £35,000 – £65,000 Production Finger Jointing Line
GreCon Turbo/Ultra class high-output line £65,000 – £90,000 High-Output Finger Jointing Line
Full press-glue finger jointing line with automation (Weinig class) £90,000 – £100,000 Automated Finger Jointing Line

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Tax benefits

Finger jointing lines 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

Finger jointing lines are bought by joinery, mouldings and structural timber manufacturers who want to join shorter lengths of timber into longer, defect-free blanks rather than buying long clear lengths at a premium, or discarding offcuts that could otherwise be used. Because a finger jointing line is a specialist production investment rather than a general-purpose machine, it tends to appear once a business has a clear enough throughput of short lengths or offcuts to justify it, and finance lets that capacity be added without a large single cash outlay. Replacement or upgrade is typically driven by wanting a faster press cycle, better glue application, or automated feeding and stacking to reduce labour, rather than the line wearing out; these are robust production machines built for continuous running. The used market for finger jointing lines is limited compared with general woodworking machinery, since these are specialised production assets, so new equipment finance from GreCon or Weinig is more typical than for saws or planers. A three-phase supply and appropriate glue handling and extraction are required.

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 finger jointing line?
It is possible but less common than for general woodworking machinery, since finger jointing lines are specialised production assets and fewer come to the used market. Where a used line is available, typically from a European industrial machinery dealer, lenders will consider financing it, usually over a shorter term and with an independent valuation given the specialist nature and value of the equipment.
What drives the cost difference between finger jointing line models?
Cost mainly reflects press cycle speed, the level of feeding and stacking automation, and glue application method, all of which affect how many joints per hour the line can produce. A business processing a modest volume of offcuts has different needs to one running a dedicated structural timber production line, so specifying the right output for your actual volume is worth doing with the supplier before committing to a finance term.
Do I need three-phase power for a finger jointing line?
Yes. The press, feed system and any automated stacking on a finger jointing line are built for a three-phase supply given the combined motor and hydraulic power involved. Confirm your workshop's electrical capacity, along with glue handling and extraction requirements, with the supplier before finalising the specification and finance. It is worth having your workshop's electrical supply assessed by a qualified electrician at the specification stage, alongside planning for glue handling and extraction around the press.
What deposit is typical for finger jointer finance?
For hire purchase, most lenders ask for a 10–20% deposit. Finance leases can often be arranged with no deposit at all. Given the production-line value of this equipment, terms are usually extended toward the higher end of the available range to keep monthly payments proportionate to the throughput the line delivers. Businesses with a clear order book for the timber the line will produce may be offered more flexibility on the deposit required for a larger deal.
How quickly can I get finger jointer finance?
Straightforward deals are often approved within 24–48 hours, though at this value most lenders review the business's trading history, accounts and production volume more closely than for a smaller machine. Established timber and joinery businesses with a clear case for the extra throughput can usually expect a decision within a few working days. Having the supplier's quote, recent accounts and a clear description of the intended production ready in advance helps keep the process moving efficiently.

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