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Guillotine Finance

Spread the cost of guillotines from £8,000 to £150,000+ with flexible finance options. HP, lease or refinance; compare rates from 40+ lenders.

Can you finance a guillotine?

Yes, guillotines 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 £150,000, 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

£8k – £150k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a guillotine cost per month?

£35,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical guillotine 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 steel stockholders wanting to own the guillotine 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 faster cycle times and tighter tolerances. Off balance sheet.

Representative example

On a purchase price of £35,000: a 10% deposit of £3,500, then 48 monthly payments of £738 at 5.9% APR representative (fixed). Total amount payable £38,924, 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
Durma HGL Series £18,000 – £45,000 Hydraulic Guillotine
Baykal MAKS Series £22,000 – £55,000 Hydraulic Guillotine Shear
3m bed, 4mm mild steel capacity £30,000 – £70,000 Hydraulic Guillotine (capacity class)
6m bed, 6mm mild steel capacity £70,000 – £130,000 Heavy Duty Hydraulic Guillotine (capacity class)

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Tax benefits

Guillotines 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

Guillotines (shears) are bought by sheet metal fabricators, steel stockholders and any manufacturer that cuts flat sheet or plate to size before forming or welding. Most buyers finance because a guillotine is usually bought alongside a press brake or laser as part of a wider sheet metal line, and spreading the cost keeps working capital free for material stock, which for a stockholder is itself a major cash outlay. Replacement is typically driven by capacity: a business outgrows its bed length or material thickness limit as it wins larger contracts, rather than the shear mechanism itself failing, since a well-maintained hydraulic guillotine is a relatively simple, long-lived machine.

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 guillotine?
Yes, guillotines are mechanically simple and many lenders are comfortable financing used machines up to 15 to 20 years old, subject to a valuation and evidence the blades and hydraulics are in working order. Because the technology has changed little, an older well-maintained guillotine is often a sound financed purchase. Ask your supplier for maintenance records and, where relevant, logged running hours before you apply; this speeds up the credit decision and can improve the rate you are offered on a guillotine.
Does finance cover backgauge and blade upgrades?
Yes. CNC backgauges, laser guide lines, sheet supports and installation can usually be included in the finance agreement if itemised on the supplier's invoice. A replacement blade set bought at the same time as the machine can also typically be included, though ongoing blade sharpening afterwards is a running 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 guillotine need?
Hydraulic guillotines almost always need a three-phase 400V supply to drive the hydraulic pump, with current draw depending on bed length and cutting capacity, typically 10 to 30 amps for shop-floor machines. Confirm your supply with an electrician before ordering, particularly for larger bed lengths. Getting this confirmed with your supplier and, where needed, an electrician before you order avoids a costly mismatch or last-minute upgrade once the equipment has already arrived on site.
How long does a guillotine last compared with a finance term?
A hydraulic guillotine has few wear parts beyond the blades and seals, and a well-maintained machine commonly runs for 20 years or more, well beyond a typical 3 to 7 year finance term. Many fabricators run a financed guillotine debt-free for a decade or more after the agreement ends. That headroom is why many buyers choose a shorter finance term deliberately, so they can reassess or upgrade once the agreement ends rather than being tied to one specification for the machine's entire working life.

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