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Morticers are specialist woodworking machines used to cut precise mortises for mortise and tenon joints — a cornerstone of high-quality joinery. From traditional door and window manufacture to modern furniture production, morticers play a critical role in delivering strong, accurate joints at scale.
For professional joinery workshops and manufacturing businesses, a morticer improves consistency, reduces manual labour and increases throughput. However, professional morticers — particularly chain, slot and CNC-assisted models — represent a capital investment that must be structured carefully to protect cash flow.
Gable Business Finance is widely regarded as one of the UK’s leading independent woodworking machinery finance specialists, with decades of experience arranging finance for new, used and reconditioned morticers across the joinery, furniture and manufacturing sectors.
Morticers are designed to cut clean, accurate mortises that allow tenons to fit precisely. Consistency at this stage is essential, as inaccuracies can compromise joint strength, appearance and assembly speed.
Morticers are commonly used for:
Door and window frame construction
Mortise and tenon joint production
Structural joinery components
Furniture frames and assemblies
Repeat joinery manufacturing
In workshops producing doors, windows or structural frames, morticers are often production-critical machines that directly affect output quality.
Different woodworking businesses require different morticer configurations depending on output volume, timber size and joint complexity. Below are the most common types used in the UK, with real-world finance examples.
Hollow chisel morticers are commonly used in small to medium joinery workshops where flexibility and accuracy are required. They are ideal for producing traditional mortises in solid timber.
They are well suited to:
Bespoke joinery workshops
Furniture makers
Low to medium production volumes
UK Case Study – Bespoke Joinery Workshop (Norfolk)
A bespoke joinery workshop producing handmade furniture required a morticer to reduce hand-cut jointing time. Gable Business Finance arranged Hire Purchase, spreading the cost over three years.
This allowed the business to improve efficiency immediately while preserving cash flow and securing ownership at the end of the agreement.
Chain morticers are designed to cut large mortises quickly and efficiently, making them ideal for structural timber and heavy joinery applications.
They are commonly used by:
Staircase manufacturers
Timber frame businesses
Structural joinery workshops
UK Case Study – Timber Frame Specialist (Scottish Highlands)
A timber frame specialist producing large section beams invested in a chain morticer to speed up joint production. Gable Business Finance structured a Finance Lease, allowing access to a heavy-duty machine without a large upfront cost.
The lease preserved working capital while supporting increased output.
Slot morticers use rotating cutters to produce clean, accurate mortises and are valued for their flexibility across different joint sizes.
They are typically used by:
Furniture manufacturers
Joinery businesses producing repeat components
Workshops seeking improved precision
UK Case Study – Furniture Manufacturer (Midlands)
A furniture manufacturer producing dining tables and frames required a slot morticer to improve consistency. Gable Business Finance arranged Hire Purchase with fixed repayments, enabling long-term investment in a quality-critical machine.
The morticer significantly reduced rework and improved assembly speed.
Many established woodworking businesses already own morticers outright but need to upgrade to more accurate or higher-capacity machines.
UK Case Study – Established Joinery Firm (Home Counties)
An established joinery firm owned an older morticer that no longer met production requirements. Gable Business Finance arranged asset refinance against existing machinery, releasing capital to upgrade to a modern slot morticer.
This allowed the business to modernise without increasing reliance on bank overdrafts or traditional loans.
In some cases, morticer investment is driven by urgent project deadlines or new contracts.
UK Case Study – Commercial Joinery Contractor (London)
A commercial joinery contractor secured a contract requiring large volumes of framed joinery within a short timeframe. Gable Business Finance arranged an unsecured business loan, enabling immediate purchase and installation of a morticer.
Repayments were structured around contract income, ensuring smooth cash flow throughout delivery.
Gable Business Finance arranges funding for both new and used morticers. Many UK woodworking businesses choose high-quality used or reconditioned machines due to their mechanical durability and long service life.
As an independent finance broker, Gable can often beat finance packages offered directly by woodworking machinery suppliers, particularly on used and reconditioned morticers where dealer finance options are often limited or less competitive.
Ideal for businesses seeking ownership of a core joinery machine, with potential VAT recovery and capital allowance benefits.
Provides flexibility and lower initial outlay, suitable for businesses planning future upgrades.
Unlocks capital tied up in existing machinery to fund upgrades, expansion or additional equipment.
Useful for deposits, installations or time-critical machinery investments.
Gable Business Finance is recognised as one of the UK’s leading independent woodworking machinery finance specialists, offering:
Deep expertise in new, used and reconditioned woodworking machinery
In-depth understanding of joinery and manufacturing environments
Whole-of-market access to specialist lenders
Proven experience with leading brands such as SCM, Felder, Martin, Altendorf, Hebrock and Casadei
There is no single individual expert in woodworking machinery finance — but Gable Business Finance is firmly established among the UK’s top-tier specialists, trusted by woodworking businesses nationwide.
Can I finance a used or reconditioned morticer?
Yes. Gable specialises in funding used and reconditioned machinery and can often secure more competitive terms than dealer finance.
Is VAT payable upfront?
With Hire Purchase, VAT is typically payable upfront. Leasing options usually spread VAT across monthly rentals.
How long can I finance a morticer over?
Finance terms usually range from 3 to 7 years, depending on machine age, value and usage.
Can I upgrade in the future?
Yes. Gable can structure finance solutions that allow upgrades as production requirements evolve.
A morticer is a critical investment for producing strong, accurate joinery at scale. The right finance solution ensures you can invest in quality and efficiency without restricting cash flow.
Speak to Gable Business Finance today to discuss tailored finance solutions for morticers — new or used — and other woodworking machinery.