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Stone Saw Finance

Spread the cost of stone saws from £8,000 to £60,000+ with flexible finance options. HP, lease or refinance; compare rates from 40+ lenders.

Can you finance a stone saw?

Yes, stone saws 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 £60,000, 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 – £60k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.5% APR

What would a stone saw cost per month?

£22,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical stone saw 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
Memorial masons and worktop fabricators wanting to own their first cutting machine 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 £22,000: a 10% deposit of £2,200, then 48 monthly payments of £464 at 5.9% APR representative (fixed). Total amount payable £24,472, 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
Fixed-table single-blade masonry saw £8,000 – £18,000 Manual/Semi-Automatic Stone Saw (specification class)
Rail-mounted stone saw, 2–2.5m travel £18,000 – £35,000 Rail Saw (specification class)
Entry-level CNC single-blade saw, 3-axis £35,000 – £60,000 CNC Stone Saw (specification class)

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Tax benefits

Stone saws 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 as the asset sits on your balance sheet; lease payments are generally deducted as an operating expense over the lease term.

Market context

Stone saws are bought by memorial masons, building stone contractors and worktop fabricators as a first dedicated cutting machine, often before the business has the volume or workshop space to justify a full bridge saw. 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. Buyers finance rather than pay cash because the saw is usually the first significant plant purchase for a small masonry business and cash is needed for stone stock and site work. Replacement is typically driven by outgrowing the machine and moving up to a rail saw or bridge saw as order volume increases, rather than the saw itself wearing out; blades, water pumps and bearings are the routine service items on an otherwise durable machine. A steady trade in used single-blade saws supports refinancing against the asset later.

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 saw?
Yes. Lenders will finance used stone saws, typically up to 10-15 years old given how simple and durable the mechanics are. You'll usually need photos, the serial number and a note of hours or years in service. Because these machines have few moving parts beyond the blade drive and water feed, condition is easy for a lender to assess, which keeps used finance straightforward and rates close to those for new equipment.
Does finance cover the water feed and extraction?
Yes, provided it's itemised on the supplier's invoice alongside the saw. Since wet cutting is how silica dust is controlled at source, most buyers order the saw, water feed and any local exhaust extraction as one package and finance the lot together. Anything added after the agreement is signed, such as a later extraction upgrade, usually needs to be arranged separately, so it's worth confirming the full specification with your supplier before you apply.
What deposit will I need for a stone saw?
Hire purchase typically asks for a 10-20% deposit, while finance leases and operating leases commonly need no deposit at all. A larger deposit reduces your monthly payments and can help you access a better rate, particularly if you're a newer business without a long trading history to point to. Putting down a larger deposit than the minimum can also strengthen an application from a newer or smaller business, since it reduces the amount the lender is exposed to over the term and can unlock a better rate.
How long does a stone saw typically last?
A well-maintained fixed-table or rail saw commonly runs for well over a decade; the blade, motor bearings and water pump are the parts that wear and get replaced along the way. A typical 3 to 6 year finance term covers only part of that working life, which is why many buyers choose a shorter term deliberately, so they can reassess or move up to a bigger machine once the agreement ends.
Do I need 2 years of trading history to get approved?
Most mainstream lenders prefer 2 or more years of trading history for standard rates and terms. Newer masonry and stone businesses can usually still get approved, but may be asked for a personal guarantee, a larger deposit, or a shorter term until a track record is established. Providing management accounts and a clear explanation of the order or contract behind the purchase can help offset a shorter trading history when a lender reviews the application.

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