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Combination woodworking machines integrate multiple traditionally separate functions—such as sawing, planing, thicknessing, spindle moulding, and mortising—into a single, space-efficient unit. Often referred to as 3-in-1, 4-in-1, or 5-in-1 machines, they are ideal for space-conscious workshops, start-ups, and professional joiners who need versatility without sacrificing accuracy.
At Gable Business Finance, we arrange specialist finance for combination woodworking machines, including Hire Purchase, Finance Lease, Operating Lease, Refinance, and Debtor Finance. We frequently beat dealer finance, particularly on used SCM, Minimax, and Robland combination machines.
A combination machine brings several core woodworking operations into one precision-engineered platform. Rather than owning multiple standalone machines, workshops can carry out most machining tasks using one compact footprint, switching between functions as required.
These machines are widely used in:
Small professional joinery workshops
Furniture makers
Bespoke cabinetry businesses
Start-up manufacturing environments
Space-restricted industrial units
Most combination machines include:
Sliding Table Saw – for accurate ripping and crosscutting
Surface Planer / Jointer – for flattening faces and edges
Thicknesser – for precise stock sizing
Spindle Moulder – for profiling, mouldings, and joinery
Mortiser (optional) – for traditional mortise-and-tenon work
Depending on the model, these functions are delivered as:
3-in-1 (Saw + Planer + Thicknesser)
4-in-1 (Adds Spindle Moulder)
5-in-1 (Adds Mortiser)
⚠️ Most machines allow one operation at a time, prioritising precision over simultaneous use.
By combining multiple machines into one unit, combination machines:
Save significant floor space
Reduce electrical and extraction complexity
Suit workshops where every square metre matters
Buying one high-quality combination machine is often more affordable than purchasing multiple standalone machines of equivalent quality—especially when factoring in:
Installation costs
Electrical work
Dust extraction connections
Leading manufacturers build combination machines with:
Precision-ground tables
Robust guide systems
Industrial-grade motors
Excellent surface finish quality
Most models are available in:
Single-phase (230V) – ideal for small workshops
Three-phase (415V) – for heavier-duty professional use
Well-known and widely financed brands include:
SCM / Minimax
Robland
Other European professional manufacturers
These machines hold value well, making them excellent candidates for asset finance, including used equipment funding.
Entry / hobby-professional models: £4,000 – £8,000
Professional 4-in-1 & 5-in-1 machines: £8,000 – £20,000+
Used combination machines: Often excellent value
Given their versatility and long service life, finance is commonly used.
Hire Purchase is one of the most popular options for combination machines.
Why HP works well:
12–60 month terms
Typically 5%–25% deposit
Fixed monthly repayments
Capital allowances usually claimable
VAT normally paid upfront and reclaimed
Ownership at the end of the agreement
Ideal for workshops planning to keep the machine long term.
A tax-efficient alternative that preserves cash.
Features:
VAT paid on rentals, not upfront
Payments matched to depreciation
End-of-term options to retain or sell
Often used for higher-value professional machines.
Best where:
Lower monthly payments are needed
Equipment may be upgraded later
Balance-sheet efficiency matters
Residual value reduces repayments.
If you already own a machine outright, refinance can:
Release working capital
Fund tooling, extraction, or expansion
Avoid overdraft reliance
Releases cash tied up in invoices to:
Support growth
Smooth cashflow
Enable additional borrowing
Are combination machines suitable for professional use?
Yes. Many professional joiners and furniture makers operate successfully with high-quality combination machines.
Can I finance a used combination woodworking machine?
Absolutely. Used SCM, Minimax, and Robland machines are commonly financed, often at better terms than dealer offers.
Is Hire Purchase or Leasing better?
Hire Purchase suits long-term ownership.
Finance Lease suits higher-value machines where flexibility is preferred.
Can accessories be included in the finance?
Often yes—sliding tables, tooling packages, and extraction upgrades can frequently be bundled.
Will this affect my bank overdraft?
No. Asset finance is usually separate from bank facilities.
Combination machines are specialist assets that require lenders who understand:
Multi-function machinery
Space-driven purchasing decisions
Used equipment values
Gable Business Finance provides:
Specialist woodworking sector knowledge
Funding for new and used combination machines
Access to lenders comfortable with mixed-use machinery
Flexible options: HP, Finance Lease, Operating Lease, Refinance, Debtor Finance
Clear, simple documentation
The ability to beat dealer finance in many cases
Combination machines offer an intelligent, space-saving solution for workshops that need versatility without compromise. With the right finance structure, UK woodworkers can access professional-grade capability while preserving cashflow.
By working with Gable Business Finance, you gain access to tailored, competitive funding solutions designed specifically for combination woodworking machines and space-efficient workshops.
Combination woodworking machines integrate multiple traditionally separate functions—such as sawing, planing, thicknessing, spindle moulding, and mortising—into a single, space-efficient unit. Often referred to as 3-in-1, 4-in-1, or 5-in-1 machines, they are ideal for space-conscious workshops, start-ups, and professional joiners who need versatility without sacrificing accuracy.
At Gable Business Finance, we arrange specialist finance for combination woodworking machines, including Hire Purchase, Finance Lease, Operating Lease, Refinance, and Debtor Finance. We frequently beat dealer finance, particularly on used SCM, Minimax, and Robland combination machines.
A combination machine brings several core woodworking operations into one precision-engineered platform. Rather than owning multiple standalone machines, workshops can carry out most machining tasks using one compact footprint, switching between functions as required.
These machines are widely used in:
Small professional joinery workshops
Furniture makers
Bespoke cabinetry businesses
Start-up manufacturing environments
Space-restricted industrial units
Most combination machines include:
Sliding Table Saw – for accurate ripping and crosscutting
Surface Planer / Jointer – for flattening faces and edges
Thicknesser – for precise stock sizing
Spindle Moulder – for profiling, mouldings, and joinery
Mortiser (optional) – for traditional mortise-and-tenon work
Depending on the model, these functions are delivered as:
3-in-1 (Saw + Planer + Thicknesser)
4-in-1 (Adds Spindle Moulder)
5-in-1 (Adds Mortiser)
⚠️ Most machines allow one operation at a time, prioritising precision over simultaneous use.
By combining multiple machines into one unit, combination machines:
Save significant floor space
Reduce electrical and extraction complexity
Suit workshops where every square metre matters
Buying one high-quality combination machine is often more affordable than purchasing multiple standalone machines of equivalent quality—especially when factoring in:
Installation costs
Electrical work
Dust extraction connections
Leading manufacturers build combination machines with:
Precision-ground tables
Robust guide systems
Industrial-grade motors
Excellent surface finish quality
Most models are available in:
Single-phase (230V) – ideal for small workshops
Three-phase (415V) – for heavier-duty professional use
Well-known and widely financed brands include:
SCM / Minimax
Robland
Other European professional manufacturers
These machines hold value well, making them excellent candidates for asset finance, including used equipment funding.
Entry / hobby-professional models: £4,000 – £8,000
Professional 4-in-1 & 5-in-1 machines: £8,000 – £20,000+
Used combination machines: Often excellent value
Given their versatility and long service life, finance is commonly used.
Hire Purchase is one of the most popular options for combination machines.
Why HP works well:
12–60 month terms
Typically 5%–25% deposit
Fixed monthly repayments
Capital allowances usually claimable
VAT normally paid upfront and reclaimed
Ownership at the end of the agreement
Ideal for workshops planning to keep the machine long term.
A tax-efficient alternative that preserves cash.
Features:
VAT paid on rentals, not upfront
Payments matched to depreciation
End-of-term options to retain or sell
Often used for higher-value professional machines.
Best where:
Lower monthly payments are needed
Equipment may be upgraded later
Balance-sheet efficiency matters
Residual value reduces repayments.
If you already own a machine outright, refinance can:
Release working capital
Fund tooling, extraction, or expansion
Avoid overdraft reliance
Releases cash tied up in invoices to:
Support growth
Smooth cashflow
Enable additional borrowing
Are combination machines suitable for professional use?
Yes. Many professional joiners and furniture makers operate successfully with high-quality combination machines.
Can I finance a used combination woodworking machine?
Absolutely. Used SCM, Minimax, and Robland machines are commonly financed, often at better terms than dealer offers.
Is Hire Purchase or Leasing better?
Hire Purchase suits long-term ownership.
Finance Lease suits higher-value machines where flexibility is preferred.
Can accessories be included in the finance?
Often yes—sliding tables, tooling packages, and extraction upgrades can frequently be bundled.
Will this affect my bank overdraft?
No. Asset finance is usually separate from bank facilities.
Combination machines are specialist assets that require lenders who understand:
Multi-function machinery
Space-driven purchasing decisions
Used equipment values
Gable Business Finance provides:
Specialist woodworking sector knowledge
Funding for new and used combination machines
Access to lenders comfortable with mixed-use machinery
Flexible options: HP, Finance Lease, Operating Lease, Refinance, Debtor Finance
Clear, simple documentation
The ability to beat dealer finance in many cases
Combination machines offer an intelligent, space-saving solution for workshops that need versatility without compromise. With the right finance structure, UK woodworkers can access professional-grade capability while preserving cashflow.
By working with Gable Business Finance, you gain access to tailored, competitive funding solutions designed specifically for combination woodworking machines and space-efficient workshops.
Combination woodworking machines integrate multiple traditionally separate functions—such as sawing, planing, thicknessing, spindle moulding, and mortising—into a single, space-efficient unit. Often referred to as 3-in-1, 4-in-1, or 5-in-1 machines, they are ideal for space-conscious workshops, start-ups, and professional joiners who need versatility without sacrificing accuracy.
At Gable Business Finance, we arrange specialist finance for combination woodworking machines, including Hire Purchase, Finance Lease, Operating Lease, Refinance, and Debtor Finance. We frequently beat dealer finance, particularly on used SCM, Minimax, and Robland combination machines.
A combination machine brings several core woodworking operations into one precision-engineered platform. Rather than owning multiple standalone machines, workshops can carry out most machining tasks using one compact footprint, switching between functions as required.
These machines are widely used in:
Small professional joinery workshops
Furniture makers
Bespoke cabinetry businesses
Start-up manufacturing environments
Space-restricted industrial units
Most combination machines include:
Sliding Table Saw – for accurate ripping and crosscutting
Surface Planer / Jointer – for flattening faces and edges
Thicknesser – for precise stock sizing
Spindle Moulder – for profiling, mouldings, and joinery
Mortiser (optional) – for traditional mortise-and-tenon work
Depending on the model, these functions are delivered as:
3-in-1 (Saw + Planer + Thicknesser)
4-in-1 (Adds Spindle Moulder)
5-in-1 (Adds Mortiser)
⚠️ Most machines allow one operation at a time, prioritising precision over simultaneous use.
By combining multiple machines into one unit, combination machines:
Save significant floor space
Reduce electrical and extraction complexity
Suit workshops where every square metre matters
Buying one high-quality combination machine is often more affordable than purchasing multiple standalone machines of equivalent quality—especially when factoring in:
Installation costs
Electrical work
Dust extraction connections
Leading manufacturers build combination machines with:
Precision-ground tables
Robust guide systems
Industrial-grade motors
Excellent surface finish quality
Most models are available in:
Single-phase (230V) – ideal for small workshops
Three-phase (415V) – for heavier-duty professional use
Well-known and widely financed brands include:
SCM / Minimax
Robland
Other European professional manufacturers
These machines hold value well, making them excellent candidates for asset finance, including used equipment funding.
Entry / hobby-professional models: £4,000 – £8,000
Professional 4-in-1 & 5-in-1 machines: £8,000 – £20,000+
Used combination machines: Often excellent value
Given their versatility and long service life, finance is commonly used.
Hire Purchase is one of the most popular options for combination machines.
Why HP works well:
12–60 month terms
Typically 5%–25% deposit
Fixed monthly repayments
Capital allowances usually claimable
VAT normally paid upfront and reclaimed
Ownership at the end of the agreement
Ideal for workshops planning to keep the machine long term.
A tax-efficient alternative that preserves cash.
Features:
VAT paid on rentals, not upfront
Payments matched to depreciation
End-of-term options to retain or sell
Often used for higher-value professional machines.
Best where:
Lower monthly payments are needed
Equipment may be upgraded later
Balance-sheet efficiency matters
Residual value reduces repayments.
If you already own a machine outright, refinance can:
Release working capital
Fund tooling, extraction, or expansion
Avoid overdraft reliance
Releases cash tied up in invoices to:
Support growth
Smooth cashflow
Enable additional borrowing
Are combination machines suitable for professional use?
Yes. Many professional joiners and furniture makers operate successfully with high-quality combination machines.
Can I finance a used combination woodworking machine?
Absolutely. Used SCM, Minimax, and Robland machines are commonly financed, often at better terms than dealer offers.
Is Hire Purchase or Leasing better?
Hire Purchase suits long-term ownership.
Finance Lease suits higher-value machines where flexibility is preferred.
Can accessories be included in the finance?
Often yes—sliding tables, tooling packages, and extraction upgrades can frequently be bundled.
Will this affect my bank overdraft?
No. Asset finance is usually separate from bank facilities.
Combination machines are specialist assets that require lenders who understand:
Multi-function machinery
Space-driven purchasing decisions
Used equipment values
Gable Business Finance provides:
Specialist woodworking sector knowledge
Funding for new and used combination machines
Access to lenders comfortable with mixed-use machinery
Flexible options: HP, Finance Lease, Operating Lease, Refinance, Debtor Finance
Clear, simple documentation
The ability to beat dealer finance in many cases
Combination machines offer an intelligent, space-saving solution for workshops that need versatility without compromise. With the right finance structure, UK woodworkers can access professional-grade capability while preserving cashflow.
By working with Gable Business Finance, you gain access to tailored, competitive funding solutions designed specifically for combination woodworking machines and space-efficient workshops.