Financing print finishing equipment

One machine or the whole line

Finishing gear doesn't have to wait for a separate arrangement. A laminator, a flatbed or roll cutter and a CNC router can go onto a single facility, either on their own or alongside the wide-format printer itself, so the whole line is funded as one.

If the printer is already paid off and you're just adding finishing, that's straightforward too, the equipment stands on its own facility. And if you're kitting out the print and finish side together, it's usually cleaner to fund the workflow as one deal than to chase a separate arrangement for each piece. Tell us what the line looks like and we'll work out the best way to structure it.

Rent or buy for finishing gear

There are three ways most shops finance this kind of equipment, and the right one depends on how and when you want to own it.

Rent-to-Own spreads the cost as regular rentals and you own the gear at the end. A Chattel Mortgage means it's yours from day one and you finance the purchase. A Lease keeps the repayments steady over a set term, with the option to renew or move on at the end.

One honest difference with finishing gear: a good laminator or cutter tends to have a longer working life than a printhead-driven machine, and doesn't move on as quickly. That often shapes how an owner thinks about the term, a longer working life can suit a longer term, and it's worth talking through. You don't pick the lender for any of this. You tell us about the equipment and the shop, and someone from our team compares lenders and arranges the finance in the structure that fits.

What drives the repayment

Three things move the figure more than anything else: the price of the equipment (ex-GST), the term you run it over, and the structure you choose. A CNC router costs more to finance than a small laminator, simply because it costs more to buy, and a longer term lowers the monthly figure while costing a little more across the life of the finance.

We work from the equipment price (ex-GST), because that's how the finance is calculated; the GST and the tax treatment are your accountant's territory, and they'll walk you through how it sits for your business. We won't put a rate or a total against it on this page, because the only figure worth acting on is the indicative one for your exact setup.

Adding capacity without re-quoting the shop

A lot of sign and print businesses bring finishing in-house as they grow, to keep the work, the margin and the turnaround under their own roof rather than sending it out. When that's the move, the finance sits quietly under the expansion, funded over the years the new capacity is earning, so the cash stays in the business.

There's no wrong time and no rush; the right moment is when the extra capacity pays for itself in work you're already turning away or sending on. If you're branching further into garment and promo work, there's financing embroidery and apparel gear as well.

Who you'll deal with

You deal with a real person from our team, not a call centre and not a form that vanishes once you hit send. The same contact who arranges your finance is the one you can call when something comes up, before settlement and after. We compare the lenders so you don't have to, and we keep you in the loop in plain language the whole way through.