Spread the cost of surface grinders from £8,000 to £90,000+ with flexible finance options. HP, lease or refinance;
Yes, surface grinders 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 £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.
Typical Cost
£8k – £90k
Approval Speed
24–48 hours
Same-day for < £100k
Rates From
4.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical surface grinder price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £28,000: a 10% deposit of £2,800, then 48 monthly payments of £591 at 5.9% APR representative (fixed). Total amount payable £31,168, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| Jones & Shipman 540X | £30,000 – £55,000 | Manual Surface Grinder |
| Okamoto ACC-63DX | £45,000 – £85,000 | CNC Surface Grinder |
| Manual surface grinder, 600 x 250mm table | £8,000 – £20,000 | Toolroom Surface Grinder (capacity class) |
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For UK limited companies with 3+ months’ trading and monthly revenue.
Surface grinders 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.
Surface grinders are bought by toolmakers, mould makers and precision engineers who need a flat, ground finish on hardened components, jig plates and press tooling that milling alone cannot achieve. Many toolrooms finance a surface grinder alongside their core mills and lathes as part of a complete precision engineering setup, since the machine is only used for the final finishing step but is essential to hitting the tolerances a customer specifies. Replacement is typically driven by a business moving from manual to CNC control to reduce operator time on repetitive jobs, rather than the machine's mechanics failing, since surface grinders are simple, long-lived machines.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.