Abrasive vs Pure-Water: Does it Affect Finance?
Abrasive Waterjet Systems
Higher capital cost (typically £80k–£500k) due to abrasive delivery system, high-pressure intensifier pump and cutting head. Some lenders require specialist asset knowledge for high-value abrasive systems. Generally financeable as a single complete facility.
Pure-Water Waterjet Systems
Lower capital cost (£40k–£150k typical range). Simpler asset structure makes underwriting more straightforward. Broader lender appetite, similar to CNC router and laser finance. Suited to food processing, foam cutting and soft material applications.
Worked Example: £95,000 Abrasive Waterjet System
| Parameter | Detail |
|---|---|
| Asset | Abrasive waterjet cutting system (e.g. Flow Mach 500 or OMAX 55100) |
| Asset value | £95,000 |
| Deposit (10%) | £9,500 |
| Finance amount | £85,500 |
| Rate (illustrative) | 7.5% per annum |
| Term | 5 years (60 months) |
| Monthly payment | £1,713 |
| Total repayable | £102,795 |
| Total interest cost | £17,295 |
Illustrative only. Rates subject to business credit profile, lender and asset assessment.
Lender Rate Guide - Waterjet Cutting Systems (October 2026)
| Facility size | Rate range | Deposit | Term | Notes |
|---|---|---|---|---|
| £40k–£100k | 6.5–10.5% | 0–10% | 2–7 yrs | Broad lender panel availability |
| £100k–£250k | 5.5–9.5% | 10% | 3–7 yrs | Specialist lenders preferred; may need 2yr accounts |
| £250k–£500k+ | 5.5–8.5% | 10–20% | 3–7 yrs | Investec, Lloyds, HSBC - full credit assessment |