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Gable Business Finance is a specialist UK finance
company arranging funding for manufacturing equipment, CNC machinery, and precision engineering assets.
One of the most in-demand machine categories across UK industry is the
vertical machining centre (VMC) – a CNC machining centre where tools operate vertically for
drilling, milling, tapping, and precision material removal.
Vertical machining centres are widely recognised by lenders as
precision manufacturing equipment. Their high capital value, long operational lifespan, and
central role in production make them fully eligible for asset finance, whether purchased as standalone
machines or as part of a wider CNC machining cell.
Across the UK, small and medium-sized enterprises (SMEs) in engineering, manufacturing, and fabrication
rely heavily on vertical machining centres to produce high-accuracy components efficiently and at
scale. VMCs are used to machine metals, plastics, composites, and specialist alloys with exceptional
repeatability.
Unlike manual milling machines, vertical machining centres use computer numerical control (CNC) to
automate tool movement, spindle speed, and feed rates. This enables businesses to deliver consistent
quality, reduce scrap, and increase throughput while minimising operator intervention.
UK SMEs often invest in vertical machining centres when transitioning from manual machining to CNC
production or when expanding capacity to meet customer demand. A VMC enables faster setup, reduced
labour dependency, and tighter tolerances.
Vertical machining centres range from compact 3-axis machines suitable for small workshops to large,
high-speed, multi-axis systems with pallet changers and automation. Purchase prices can range from
£30,000 for entry-level machines to over £500,000 for advanced production centres.
Given their cost and importance to production, asset finance is the preferred funding route for many
UK manufacturers investing in VMC technology.
The UK manufacturing sector has seen sustained growth in the adoption of CNC machining technology.
Vertical machining centres, in particular, have become the backbone of modern precision engineering
operations.
Customers increasingly expect tight tolerances and consistent quality. Vertical machining centres
deliver repeatable accuracy across large production runs.
CNC machining reduces reliance on highly skilled manual machinists. One operator can supervise multiple
machines, improving productivity.
Automated tool changes and faster cutting speeds allow manufacturers to meet tight deadlines and
just-in-time production schedules.
Modern VMCs integrate with CAD/CAM software, robotic loading systems, and digital production management
tools, supporting smart manufacturing strategies.
As competition increases, UK manufacturers are using finance to invest in higher-spec machining centres
without compromising cash flow.
Gable Business Finance arranges a range of funding solutions for vertical machining centres, tailored to
the needs of UK engineering and manufacturing businesses.
Hire purchase is a popular option for businesses intending to own their VMC outright. The business
pays a deposit followed by fixed monthly repayments, with ownership transferring at the end of the term.
A finance lease allows a business to use a vertical machining centre while paying rentals over an agreed
term. This option suits companies that regularly upgrade CNC equipment.
Operating leases may be suitable where flexibility is required or where the business wants to avoid
long-term ownership risk, particularly for fast-evolving CNC technology.
Manufacturers that already own machining centres outright can release capital through asset refinance,
unlocking cash tied up in existing CNC equipment.
Yes. Vertical machining centres are classed as precision manufacturing equipment and are fully eligible
for asset finance.
Many lenders will consider used VMCs, subject to age, condition, and remaining service life.
VAT is usually payable upfront on hire purchase agreements, though this depends on structure.
Yes. Startups may be eligible with a deposit and director guarantee, subject to lender criteria.
Hire purchase arranged to upgrade from manual milling to CNC production.
Finance structured to support increased production volumes.
Funding aligned with long-term contract revenues.
Asset finance enabled in-house prototyping capability.
Finance supported expansion into new markets.
Startup-approved finance supported business launch.
Structured finance enabled compliance with strict quality standards.
Funding supported high-tolerance component production.
Used equipment finance delivered cost-effective capacity growth.
Multi-asset finance structured across multiple machines.
Vertical Machining Centre Finance UK – Gable Business Finance arranges specialist funding for CNC
vertical machining centres used in precision manufacturing. Flexible hire purchase, leasing, and asset
refinance solutions for UK businesses.