Full Lender Rate Comparison - October 2026
| Lender | Rate range | Term | Min deposit | Speed | Best for |
|---|---|---|---|---|---|
| HSBC | 5.0–8.0% | 3–7 yrs | 10% | 5–10 days | Prime credits, existing customers |
| Lloyds Bank | 5.5–8.5% | 3–7 yrs | 10% | 5–10 days | Established businesses (5+ yrs) |
| Investec | 5.5–9.5% | 3–7 yrs | 10–20% | 3–7 days | High-value bespoke facilities |
| Aldermore | 6.0–10.5% | 2–7 yrs | 0–10% | 2–5 days | SME, flexible credit |
| Close Brothers | 6.5–11.0% | 2–7 yrs | 0–10% | 2–4 days | Speed, shorter trading history |
| Shawbrook | 6.5–11.0% | 2–7 yrs | 0–10% | 2–4 days | Sheet metal & fabrication |
| Paragon Bank | 7.0–11.5% | 2–7 yrs | 0–10% | 3–5 days | Broader credit appetite |
Rates as at October 2026. Subject to status, credit assessment and asset type. Doulton Bridging Finance acts as a credit broker, not a lender.
5 Tips to Secure the Best Rate
Prepare two years of accounts
Most lenders require filed accounts or management accounts. Having these ready speeds the process significantly.
Know your asset details
Lenders want make, model, year, supplier and full value. New machines from authorised dealers attract the best rates.
Consider your deposit carefully
A 10–20% deposit typically unlocks the best rates and avoids the lender risk premium on 100% LTV facilities.
Compare total cost, not monthly payment
A lower monthly payment on a longer term can cost more overall. Always compare APR and total repayable.
Use a broker for multiple lender comparison
A single broker application reaches 130+ lenders simultaneously, without multiple hard credit searches. Always ask brokers about their panel.
Rates and criteria by lender
How each lender and manufacturer finance scheme on our panel prices this asset in October 2026, and where it fits. Rates are indicative; we compare them all for your case.
Aldermore Laser Cutting Machine Finance Rates
The table below illustrates indicative monthly payments at Aldermore's current rate range. All figures are illustrative; actual rates depend on your credit profile, deposit level, and asset type.
| Finance amount | Rate range | Term | Est. monthly payment | Deposit (10%) |
|---|---|---|---|---|
| £30,000 | 6.8–9.8% | 5 years | £591/mo – £634/mo | £3,000 |
| £100,000 | 6.8–9.8% | 5 years | £1,968/mo – £2,112/mo | £10,000 |
| £350,000 | 6.8–9.8% | 5 years | £6,889/mo – £7,393/mo | £35,000 |
| £900,000 | 6.8–9.8% | 5 years | £17,715/mo – £19,012/mo | £90,000 |
Close Brothers Laser Cutting Machine Finance Rates
The table below illustrates indicative monthly payments at Close Brothers's current rate range. All figures are illustrative; actual rates depend on your credit profile, deposit level, and asset type.
| Finance amount | Rate range | Term | Est. monthly payment | Deposit (10%) |
|---|---|---|---|---|
| £30,000 | 7.2–10.2% | 5 years | £598/mo – £641/mo | £3,000 |
| £100,000 | 7.2–10.2% | 5 years | £1,992/mo – £2,137/mo | £10,000 |
| £350,000 | 7.2–10.2% | 5 years | £6,972/mo – £7,480/mo | £35,000 |
| £900,000 | 7.2–10.2% | 5 years | £17,927/mo – £19,233/mo | £90,000 |
HSBC Laser Cutting Machine Finance Rates
The table below illustrates indicative monthly payments at HSBC's current rate range. All figures are illustrative; actual rates depend on your credit profile, deposit level, and asset type.
| Finance amount | Rate range | Term | Est. monthly payment | Deposit (10%) |
|---|---|---|---|---|
| £30,000 | 5.0–8.0% | 5 years | £566/mo – £608/mo | £3,000 |
| £100,000 | 5.0–8.0% | 5 years | £1,887/mo – £2,028/mo | £10,000 |
| £350,000 | 5.0–8.0% | 5 years | £6,605/mo – £7,097/mo | £35,000 |
| £900,000 | 5.0–8.0% | 5 years | £16,984/mo – £18,249/mo | £90,000 |
Investec Laser Cutting Machine Finance Rates
The table below illustrates indicative monthly payments at Investec's current rate range. All figures are illustrative; actual rates depend on your credit profile, deposit level, and asset type.
| Finance amount | Rate range | Term | Est. monthly payment | Deposit (10%) |
|---|---|---|---|---|
| £30,000 | 6.0–9.0% | 5 years | £580/mo – £623/mo | £3,000 |
| £100,000 | 6.0–9.0% | 5 years | £1,933/mo – £2,076/mo | £10,000 |
| £350,000 | 6.0–9.0% | 5 years | £6,766/mo – £7,265/mo | £35,000 |
| £900,000 | 6.0–9.0% | 5 years | £17,400/mo – £18,683/mo | £90,000 |
Lloyds Bank Laser Cutting Machine Finance Rates
The table below illustrates indicative monthly payments at Lloyds Bank's current rate range. All figures are illustrative; actual rates depend on your credit profile, deposit level, and asset type.
| Finance amount | Rate range | Term | Est. monthly payment | Deposit (10%) |
|---|---|---|---|---|
| £30,000 | 5.5–8.5% | 5 years | £573/mo – £615/mo | £3,000 |
| £100,000 | 5.5–8.5% | 5 years | £1,910/mo – £2,052/mo | £10,000 |
| £350,000 | 5.5–8.5% | 5 years | £6,685/mo – £7,181/mo | £35,000 |
| £900,000 | 5.5–8.5% | 5 years | £17,191/mo – £18,465/mo | £90,000 |
Paragon Bank Laser Cutting Machine Finance Rates
The table below illustrates indicative monthly payments at Paragon Bank's current rate range. All figures are illustrative; actual rates depend on your credit profile, deposit level, and asset type.
| Finance amount | Rate range | Term | Est. monthly payment | Deposit (10%) |
|---|---|---|---|---|
| £30,000 | 7.8–10.8% | 5 years | £605/mo – £649/mo | £3,000 |
| £100,000 | 7.8–10.8% | 5 years | £2,016/mo – £2,162/mo | £10,000 |
| £350,000 | 7.8–10.8% | 5 years | £7,055/mo – £7,566/mo | £35,000 |
| £900,000 | 7.8–10.8% | 5 years | £18,141/mo – £19,456/mo | £90,000 |
Shawbrook Sheet Metal Equipment Finance Rates
The table below illustrates indicative monthly payments at Shawbrook's current rate range. All figures are illustrative; actual rates depend on your credit profile, deposit level, and asset type.
| Finance amount | Rate range | Term | Est. monthly payment | Deposit (10%) |
|---|---|---|---|---|
| £30,000 | 7.2–10.2% | 5 years | £598/mo – £641/mo | £3,000 |
| £100,000 | 7.2–10.2% | 5 years | £1,992/mo – £2,137/mo | £10,000 |
| £350,000 | 7.2–10.2% | 5 years | £6,972/mo – £7,480/mo | £35,000 |
| £900,000 | 7.2–10.2% | 5 years | £17,927/mo – £19,233/mo | £90,000 |
AMADA Finance vs Independent Broker - Which is Better for Sheet Metal Equipment Finance?
AMADA Finance offers captive finance tied to its own equipment. An independent broker like Doulton Bridging Finance presents your case to 130+ lenders simultaneously, with no restriction on brand or asset type. Both routes have their place - this guide explains when each wins.
| Criterion | AMADA Finance | Independent Broker |
|---|---|---|
| Lenders available | 1 (captive) | 20+ |
| Rate range | Typically 6.5–10.0% | 5.0–11.5% (market) |
| Assets financed | AMADA machinery only | Any brand, any asset |
| Deposit | 10–15% | 0–20% (lender-dependent) |
| Promotional offers | Possible on new models | Via lender schemes |
| Rate independence | No market comparison | Full market comparison |
| Flexibility | Standard terms only | HP, lease, S&LB, bespoke |
| Speed (credit decision) | 5–10 days typical | 2–5 days (many lenders) |
Bystronic Finance vs Independent Broker - Which is Better for Laser Cutting Finance?
Bystronic Finance offers captive finance tied to its own equipment. An independent broker like Doulton Bridging Finance presents your case to 130+ lenders simultaneously, with no restriction on brand or asset type. Both routes have their place - this guide explains when each wins.
| Criterion | Bystronic Finance | Independent Broker |
|---|---|---|
| Lenders available | 1 (captive) | 20+ |
| Rate range | Typically 6.0–9.5% | 5.0–11.5% (market) |
| Assets financed | Bystronic machinery only | Any brand, any asset |
| Deposit | 10–20% | 0–20% (lender-dependent) |
| Promotional offers | Possible on new models | Via lender schemes |
| Rate independence | No market comparison | Full market comparison |
| Flexibility | Standard terms only | HP, lease, S&LB, bespoke |
| Speed (credit decision) | 5–10 days typical | 2–5 days (many lenders) |
Trumpf Financial Services vs Independent Broker - Which is Better for Laser Cutting Machine Finance?
Trumpf Financial Services offers captive finance tied to its own equipment. An independent broker like Doulton Bridging Finance presents your case to 130+ lenders simultaneously, with no restriction on brand or asset type. Both routes have their place - this guide explains when each wins.
| Criterion | Trumpf Financial Services | Independent Broker |
|---|---|---|
| Lenders available | 1 (captive) | 20+ |
| Rate range | Typically 6.5–9.0% | 5.0–11.5% (market) |
| Assets financed | Trumpf machinery only | Any brand, any asset |
| Deposit | 10–15% | 0–20% (lender-dependent) |
| Promotional offers | Possible on new models | Via lender schemes |
| Rate independence | No market comparison | Full market comparison |
| Flexibility | Standard terms only | HP, lease, S&LB, bespoke |
| Speed (credit decision) | 5–10 days typical | 2–5 days (many lenders) |