Lendus.

Knitting Machine Finance

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

Can you finance a knitting machine?

Yes, knitting machines 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 12–60 months with a deposit of around 10–20%. Decisions typically take 24–72 hours. Used machines are financeable too, usually with a shorter term.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£8k – £150k

Approval Speed

24–72 hours

Longer review for high-value machines

Rates From

6.1% APR

What would a knitting machine 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 knitting machine price. Indicative only, not a quote.

Compare knitting machine finance rates from 200+ lenders

Check Eligibility

Finance options

Hire Purchase (HP)

Rate
From 6.7% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Knitwear manufacturers wanting to own the machine outright

Finance Lease

Rate
From 6.1% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax efficient; claim 100% of payments against profit

Operating Lease

Rate
From 7.0% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Refresh equipment on a shorter cycle. 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
Used Flatbed Knitting Machine (spec class, e.g. Stoll, Shima Seiki) £8,000 – £30,000 Used Flatbed Machine
New Computerised Flatbed Knitting Machine £30,000 – £80,000 New Flatbed Machine
High-Gauge Production Knitting System £80,000 – £150,000 High-Gauge Production System

Ready to compare knitting machine finance? 2 minutes, no credit check.

Check Eligibility

Tax benefits

Industrial knitting machines are moveable plant and machinery and generally qualify for Annual Investment Allowance, letting the cost be deducted from taxable profits in the year of purchase. This applies to the machine and its control system; any dedicated flooring, power supply or climate control work needed to install it is usually treated separately as a building cost. HP agreements let you claim capital allowances directly, while lease payments are deducted as a running cost, which matters given the size of this investment for most knitwear businesses.

Market context

Industrial flatbed knitting machines are bought by knitwear manufacturers, technical textile producers and design-led fashion brands bringing production in-house, with gauge and needle bed width chosen to match the yarn and garment shapes being produced rather than business size alone. Because a new computerised machine represents a major capital outlay, many smaller and mid-sized knitwear businesses start with a well-maintained used machine from a specialist textile machinery dealer, and a genuine second-hand market exists for machines from the leading manufacturers. Replacement is generally driven by a need for a different gauge, wider bed or newer software rather than the machine wearing out, since these machines are built for long service lives when maintained properly.

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.

Compare rates from 200+ lenders, takes 2 minutes.

Check Eligibility

Frequently asked questions

Can I finance a used industrial knitting machine?
Yes, and given the price of new computerised machines it is a common route into knitwear manufacturing. Most lenders will finance used machines from established manufacturers, though they are likely to ask for a condition report or dealer inspection given the mechanical complexity involved, and machine age and gauge can affect both the rate offered and the maximum term available.
What deposit is typical for knitting machine finance?
For hire purchase, most lenders ask for a deposit of around 10 to 20%, though on higher value new machines this can be negotiated based on your trading history and order book. Finance lease agreements often require no deposit but will look closely at your business's financial position given the scale of the investment, so having recent accounts and a clear supplier quote ready helps the application move faster.
Can a start-up knitwear brand get finance for a knitting machine?
It is possible but more difficult than for an established manufacturer, since lenders will want evidence of demand, such as pre-orders, stockist agreements or a trading history in a related business, before committing to an asset of this value. A start-up is more likely to succeed by financing a used, lower-gauge machine first and building a trading history before financing a larger production system.
How long does it take to get knitting machine finance approved?
Given the value of most knitting machines, applications typically take a few days rather than being approved same-day, as the lender reviews the full supplier quote alongside your recent trading accounts. For a high-gauge production system at the top of the price range, allow longer while the lender carries out a more detailed assessment of the business and, where relevant, the used machine's condition.

Related equipment finance

More textiles & garment finance

See how lenders treat textiles & garment assets

Guides and resources

Ready to finance your knitting machine?

Compare rates from 200+ lenders. No credit check.

Check Eligibility →
Check Eligibility, 2 min, no credit check