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Stone Lathe Finance

Spread the cost of stone lathes from £10,000 to £90,000+ with flexible finance options. HP, lease or refinance; compare rates from 40+ lenders.

Can you finance a stone lathe?

Yes, stone lathes 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 £10,000 to £90,000, 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

£10k – £90k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a stone lathe cost per month?

£30,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical stone lathe 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
Masons wanting to own turning capability for columns and balusters 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 £30,000: a 10% deposit of £3,000, then 48 monthly payments of £633 at 5.9% APR representative (fixed). Total amount payable £33,384, 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
Manual stone lathe, 2m bed £10,000 – £25,000 Manual Stone Lathe (specification class)
CNC stone lathe with programmable profiling £30,000 – £65,000 CNC Stone Lathe (specification class)
Large-diameter CNC lathe for columns and balusters £65,000 – £90,000 Large-Format CNC Stone Lathe (specification class)

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Tax benefits

Stone lathes 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.

Market context

Stone lathes are a specialist purchase for masons producing turned columns, balusters, urns and architectural elements for restoration and bespoke building work, a smaller and more specialist market than worktop fabrication. 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. Turning generates a continuous stream of fine dust at the tool point, so wet turning and localised extraction are specified with the machine. Buyers finance a stone lathe because this work is typically won on individual restoration or heritage contracts, and the machine's cost is spread to match those specific jobs rather than carried as a general overhead. Replacement is usually driven by wanting CNC profiling to reproduce a pattern accurately and repeatably, rather than the lathe wearing out, since the bed and headstock are heavy-duty and see relatively low-volume use compared with a production saw. The used market is thinner and more specialist than for bridge saws, so buyers often hold a lathe for longer before replacing it.

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 stone lathe?
Yes, though because stone lathes are a more specialist, lower-volume machine than a bridge saw, expect the lender to ask more questions about condition and provenance, and possibly request an independent valuation even for a relatively recent machine. A clear service history and details of the work it's been used for will help. 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.
Is a CNC stone lathe worth financing over a manual one?
That depends on whether your work is repeatable, matching an existing turned profile for a restoration project favours CNC, since the programme can be reused, while bespoke one-off turning is often still done manually by a skilled operator. Both are available on HP, finance lease or operating lease; the finance decision mainly comes down to your typical deposit and monthly cash flow rather than which machine suits the work.
Does finance cover specialist turning tools?
Yes, provided the tooling is itemised on the supplier's invoice alongside the lathe. Specialist profiling tools supplied with the machine are usually included; tools bought later for a specific one-off restoration job are typically a separate working-capital purchase rather than being added to the finance agreement. 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 stone lathe last?
A well-maintained stone lathe can remain in service for several decades given the relatively light and specialist use most see compared with a production saw. A typical 3 to 6 year finance term is a small fraction of that working life, so many masons choose the term based on cash flow and the specific contract funding the purchase, rather than the machine's expected lifespan.

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