manufacturing · Equipment & asset finance
Laser cutter finance
A fibre laser can replace outsourced cutting entirely. We fund the machine, the chiller, the extraction and the install so the whole line lands on one contract.
What is laser cutter finance?
Laser cutter finance is funding for a fibre or CO2 laser cutting system, secured against the machine. Fibre lasers have transformed Australian sheet metal fabrication, and because the machines are high-value and productive, lenders generally fund them over five to seven years including installation and extraction.
Fibre laser cutting has reshaped Australian fabrication. Machines that once cost seven figures are now available at a fraction of that, and cutting speeds on thin material are dramatically faster than plasma or CO2. For a fabricator, bringing cutting in house removes lead times, reduces the cost per part and opens up work that was previously uneconomic to quote. It also gives you control over quality, which is difficult to guarantee when cutting is subcontracted out.
The purchase is a project rather than a single item. A laser needs a chiller, dust extraction, clean compressed air, adequate three-phase power and a slab that can take the weight. Getting all of that into one quote means it can all be funded on one contract. Your broker will also compare a chattel mortgage against a lease, since some fabricators prefer to upgrade source power every five years as technology moves.
Laser cutter finance at a glance
| Typical price range | $80,000 – $1,200,000 |
|---|---|
| Finance term | Up to 84 months |
| Useful life | About 12 years |
| New or used | New fibre lasers dominate, with pricing having fallen sharply as Chinese manufacturers entered the market; used CO2 machines are cheap but running costs are much higher. |
| Indicative rates (Chattel mortgage) | 6.9% – 14.5% p.a. · rate history |
| Finance structures | Chattel mortgage (recommended), Machinery finance, Equipment loan, Finance lease |
How lenders assess laser cutter finance
Lenders assess laser cutters on brand, source power, resonator type and hours. Fibre lasers from established manufacturers hold value considerably better than budget imports, which affects both the amount funded and the term. Chillers, extraction, compressors, nesting software and installation can be included when invoiced together. Machines imported directly need import and compliance documentation and lenders may require inspection on arrival. Deposits to overseas suppliers are commonly funded, with settlement completed once the machine is installed.
Before you buy
- Match source power to your thickest regular material; buying a 3kW machine to occasionally cut 20 mm plate will frustrate you daily.
- Price the full installation — chiller, extraction, compressed air and three-phase power are all mandatory and often quoted separately.
- Check local service response times and consumable supply, because a laser waiting on a nozzle or lens from overseas is dead capital.
Commonly financed
Bystronic ByStar Fiber · Trumpf TruLaser 3030 · Amada ENSIS · HSG Laser G3015 · Bodor P series
Estimate laser cutter repayments
- Number of repayments
- 60
- Balloon at end of term
- $128,000
- Total interest (est.)
- $181,167
- Total repaid (est.)
- $821,167
This calculator provides an estimate only and does not account for fees, charges or the specific terms a lender may offer. It is not financial advice or an offer of finance.
Key terms
What is laser cutter finance?
Laser cutter finance is a secured loan or lease used to buy a fibre or CO2 laser cutting system, with the machine as security. Terms commonly run 48 to 84 months and ancillary equipment such as chillers and extraction can be funded on the same contract.
Fibre laser or CO2 laser?
A fibre laser cuts metal faster on thin to medium material, uses far less power and has fewer consumables, which is why it now dominates metal fabrication. A CO2 laser still suits non-metals such as acrylic, timber and fabric, where fibre wavelengths are less effective.