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Toughening Furnace Finance

Spread the cost of a glass toughening furnace from £200,000 to £2,000,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a toughening furnace?

Yes, toughening furnaces 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 £200,000 to £2,000,000, and most deals are written over 36–84 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

£200k – £2000k

Approval Speed

24–48 hours

3-6 weeks

Rates From

4.5% APR

What would a toughening furnace cost per month?

£650,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical toughening furnace price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.8% APR
Term
36–84 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Fabricators wanting to own heavy floor-standing equipment outright

Finance Lease

Rate
From 4.5% APR
Term
36–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.3% APR
Term
36–60 months
Deposit
None required
Ownership
Return at end
Best for
Fabricators wanting to move to newer, more automated lines as standards change

Representative example

On a purchase price of £650,000: a 10% deposit of £65,000, then 48 monthly payments of £13,712 at 5.9% APR representative (fixed). Total amount payable £723,176, 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
Entry-Level Flat Toughening Furnace £200,000 – £450,000 Entry-Level Furnace
Mid-Capacity Toughening Furnace (up to 3.2m x 6m) £450,000 – £1,000,000 Mid-Capacity Furnace
High-Output Toughening Line with Bending £1,000,000 – £2,000,000 High-Output Furnace

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Tax benefits

This equipment qualifies for the Annual Investment Allowance, so a purchase or HP agreement can be deducted against taxable profit in the year of purchase. Finance lease payments are typically deductible in full from profit as they are paid, and refinancing an owned asset does not change its capital allowances position.

Market context

A toughening furnace is the largest single capital investment most glass fabricators will make, heating glass close to its softening point before rapidly cooling the surface to create the compressive stress that makes toughened glass break safely into small fragments rather than sharp shards. These furnaces are large, heavy structures drawing very high electrical loads, and site preparation, structural floor loading, power supply upgrade and often a dedicated building extension, frequently represents a substantial part of the total project cost on top of the furnace itself, so lenders financing a furnace expect to see the full project cost including these works rather than the furnace price alone. Fabricators typically buy a furnace to bring toughening in-house that was previously subcontracted, and the decision is usually justified against a confirmed order book or contract rather than speculative capacity, given the scale of the investment; replacement is rare and usually driven by a move to a larger bed size or added bending capability.

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

What site works are needed before a toughening furnace can be installed?
A toughening furnace draws a very high electrical load and needs a substantial power supply upgrade in most cases, along with significant floor loading capacity and often a purpose-built or extended building to house it. These works can represent a meaningful share of the total project cost, and it is standard practice to get a full site survey and utility company quote for the power upgrade before ordering the furnace, then include that cost in the finance discussion alongside the machine itself.
Why do fabricators buy a toughening furnace rather than subcontracting toughening?
Bringing toughening in-house removes the lead time and transport cost of sending cut glass out to a third-party toughener and back, and gives control over scheduling for time-sensitive projects. Given the scale of the investment, most fabricators make this decision against a confirmed and growing order book that justifies the furnace’s ongoing running cost and finance payment, rather than as speculative capacity ahead of demand.
What deposit is typical for toughening furnace finance?
Given the very high value of most toughening furnace projects, lenders typically ask for 15-25% deposit on hire purchase, and will look closely at the order book or contracts supporting the investment. Finance and operating leases are also used for furnaces, sometimes structured with no deposit but a correspondingly higher payment. A longer, more established order book behind the investment can help reduce the deposit a lender asks for, since it lowers the perceived risk of committing to a project of this scale.
How quickly can toughening furnace finance be approved?
Given the scale of investment involved, approval typically takes 3-6 weeks even for a straightforward application, since the lender needs to review the full project including any building and power supply works, the order book supporting the investment, and often arrange a site visit before completing the facility. Having the power supply upgrade quote and structural survey completed before applying is one of the most effective ways to keep this timeline to the shorter end of the range.

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