Quick answer: Can you get machinery finance through UK Business Loans?

Yes. Whether you operate an engineering workshop, run a factory, manage a commercial printing press or run packaging lines, UK Business Loans can help you access machinery finance by introducing you to lenders and brokers who specialise in industrial assets.

Options commonly available include hire purchase, finance leases, operating leases, chattel mortgages, and sale & leaseback. We help match your business to partners for quotes — simply complete a Free Eligibility Check to get started. Our service is an introducer service (we do not lend directly) and is free and no obligation.

Get Quote Now — Free Eligibility Check

Takes around 2 minutes. We only share your details with selected partners who can help.

Who we help: engineering, manufacturing, printing and packaging

We work with businesses across the industrial spectrum. Below are common sectors and examples of financed assets.

Engineering

• CNC machines, lathes and milling centres
• Sheet-metal fabrication lines, press brakes and plasma cutters
• Tooling, jigs and inspection equipment

Manufacturing

• Automated production lines and robotic cells
• Conveyors, mixers, ovens and assembly machinery
• Plant upgrades and line modernisation

Printing

• Offset and digital presses, finishing and binding equipment
• Large-format printers, cutters and laminators
• Pre-press and colour management systems

Packaging

• Fillers, case packers, labelling and palletising systems
• Flow-wrappers, tray sealers and inspection systems
• Automation for speed and quality control

Types of machinery & asset finance available

Specialist lenders and brokers provide a range of products. Which is best depends on the asset, your cashflow and whether you want ownership at the end of the term.

• Hire Purchase (HP) — Pay an initial deposit then fixed repayments; ownership transfers at the end. Good for businesses wanting to own the asset.
• Finance Lease — Lower upfront cost; you lease the asset for an agreed term and may have purchase options at the end.
• Operating Lease — Off-balance-sheet rental arrangements where the lender effectively retains ownership; useful for rotating equipment.
• Chattel Mortgage — Asset acts as security; you own the equipment but the lender holds a charge until repaid.
• Sale & Leaseback / Asset Refinance — Release capital tied up in existing equipment by selling it and leasing it back.
• Invoice Finance / Asset-backed lending — Useful when equipment purchase is tied to large contracts and cashflow timing.
• Commercial loans / Secured lending — For sizeable capital projects where broader security may be provided.

Comparison at a glance:

Typical eligibility & required documentation

Lenders and brokers usually assess the following:

• Business performance: age of company, annual turnover and profitability.
• Credit history: both business and any required director guarantees.
• Asset details: type, age, condition, supplier invoice or quote.
• Purpose: how the equipment will be used and expected business benefit.

Common documents requested:

• Latest management accounts or certified accounts (typically 6–12 months).
• Business bank statements (3–12 months).
• VAT returns where applicable and supplier quotations or invoices.
• Proof of identity and address for directors (for KYC).
• Business plan or cashflow projection for large or bespoke projects.

Specialist lenders can often structure deals for growing businesses or those with imperfect credit where the asset provides strong security. For assets under £10K this service is less likely to be appropriate — UK Business Loans typically arranges finance from around £10,000 upwards.

Start your enquiry — Free Eligibility Check

How UK Business Loans helps — our matching process

We act as a fast introducer between your business and specialist brokers and lenders. Our goal is to save you time and improve your chance of receiving the right quote.

1. Complete our short enquiry (takes about 2 minutes).
2. We identify the best-suited lenders and brokers for your sector and asset.
3. Selected partners contact you directly with tailored quotes and next steps.
4. You compare offers and choose the option that suits your business.

We also provide guidance on which finance types commonly suit different assets and flag typical documentation so you can be prepared. If you’re researching broader options beyond machinery, see our business finance resources for an overview of working capital, refinancing and other commercial products.

Get Quote Now — Free Eligibility Check

We only share your details with selected partners who are most likely to help — you remain in control.

Typical costs, rates and what to expect

Rates and costs vary widely depending on:

• Type, age and resale value of the equipment
• Loan size and term
• Business and director credit profiles
• Deposit amount and level of security offered

Indicative guidance (for illustration only): smaller or unsecured deals often carry higher rates; larger, asset-secured or well-supported applications can achieve significantly lower finance costs. Brokers will present APRs, monthly repayments and any fees such as arrangement, valuation or early repayment charges. Always compare multiple offers to understand total cost.

Benefits & risks of machinery finance

Benefits

• Preserve working capital for operations or growth.
• Access modern, efficient equipment to improve productivity.
• Predictable repayments and potential tax benefits depending on product.
• Flexibility: choose ownership or leasing based on needs.

Risks

• Repayment commitments regardless of business performance.
• Possible requirement for director guarantees or security.
• Asset depreciation and end-of-term choices (return, purchase or refinance).

Case studies — two short examples

Engineering workshop (CNC upgrade)
A medium-sized engineering firm needed three new CNC machines to meet a large contract. Through our enquiry they were matched to a specialist asset finance broker. The broker arranged a hire purchase package over 48 months with a modest deposit, allowing the company to start production immediately and spread cost while owning the machines at term end. Time to quote: under 24 hours.

Commercial printer (press & finishing line)
A regional print business wanted to replace an ageing press and add digital finishing. We introduced them to a lender experienced in printing equipment. The deal combined asset refinance for older equipment and a finance lease for the new press, improving cashflow and delivering a predictable monthly cost. Project completed within weeks of first contact.

FAQs

Can my business get finance if we have an imperfect credit history?

Yes — some specialist lenders and brokers consider the asset value and contract certainty; however, terms may reflect risk. Completing our enquiry helps match you to partners who can advise based on your circumstances.

Will the enquiry affect my credit score?

No. Submitting an enquiry via UK Business Loans does not perform a credit check. Lenders will only perform credit searches if you proceed with an application.

How long does it take to get quotes?

Many lenders or brokers respond within hours during business days; complex or large-value projects can take several days while valuations or approvals are completed.

Do I own the equipment at the end of the agreement?

That depends on the product. Hire purchase typically leads to ownership. Leasing usually does not unless you exercise a purchase option. Your broker or lender will explain the end-of-term choices.

What size of finance is available?

UK Business Loans specialises in arranging finance from around £10,000 and upward. Larger projects into hundreds of thousands or millions may be supported through commercial lending or syndicated finance via our partners.

Are you a lender?

No. UK Business Loans is an introducer that connects you to lenders and brokers who provide quotes and manage applications directly.

Next steps — get a free eligibility check

If you’re ready to explore machinery finance, completing our short enquiry is the fastest way to receive relevant quotes. We’ll match you to partners who specialise in your sector and asset type so you can compare options quickly.

Start Free Eligibility Check — Get Quote Now

Compliance & privacy note

UK Business Loans is an introducer — not a lender or financial adviser. We connect you with lenders and brokers who contact you with quotes. Submitting an enquiry is free and does not affect your credit score. We only share your details with selected partners relevant to your enquiry and handle your data in line with our Privacy Policy.