Equipment financing for US manufacturers
The equipment secures the note, so approval leans on the machine's resale value as much as your balance sheet. That is why shops declined for a bank line still get approved for a machining center, a fiber laser, or a packaging line.
Funding amount
Up to 100% of equipment cost
Directional cost
Roughly 7% to 18% APR
Term
24 to 84 months
Speed to fund
5 to 15 business days
Directional ranges, not offers. Your actual terms depend on your credit, revenue, time in business, and the equipment itself.
Financing by equipment type
Underwriting is not the same across the floor. A fiber laser, a robotic weld cell, and a multi-vendor packaging line each get reviewed differently, so each has its own guide.
CNC machines
Machining centers, lathes, and multi-axis
A machining center is the easiest class of equipment to finance because the collateral is liquid. Haas, Mazak, Okuma, DMG Mori, and Doosan machines hold auction value, so funders lend against them with confidence a custom-built line never earns.
$60K to $1.2M per machine · 24 to 84 months
Machine tools
Mills, lathes, grinders, saws, and presses
Machine tools are the broadest equipment category on the floor, from a $25,000 surface grinder to a $600,000 horizontal boring mill. Because the class covers such a wide price band, the structure that fits varies more here than anywhere else.
$15K to $900K per machine · 24 to 84 months
Packaging equipment
Fillers, labelers, case packers, and palletizers
Packaging is rarely one machine. It is a line, bought in stages, and the financing has to match that sequence or you end up paying on a filler that cannot run because the labeler is 90 days out.
$30K to $2M per line · 36 to 84 months
Welding equipment
Robotic cells, power sources, and positioners
Welding spans two very different financing conversations. A rack of power sources is a small application-only ticket. A robotic weld cell is a capital project with fixturing, programming, and safety integration attached.
$8K per power source to $600K per robotic cell · 24 to 72 months
Metal fabrication equipment
Fiber lasers, press brakes, punches, and shears
A fiber laser is the single largest capital decision most fab shops make, and it is also the class of equipment funders most want to finance. Strong resale, long service life, and clear throughput math make these files straightforward when the shop is stable.
$40K to $1.5M per machine · 36 to 84 months
What underwriters look at
Time in business, personal and business credit, revenue and bank activity, existing UCC filings, and the resale market for the specific machine. On larger tickets, add 2 years of business tax returns, an interim P&L and balance sheet, and a personal financial statement from each guarantor.
Manufactor Finance is an independent commercial finance broker. We do not lend, bank, or invest, and we charge no application, origination, or closing fees. We do not help with grants, grant writing, or grant applications.
Equipment financing questions
Directionally up to 100% of the equipment invoice, with soft costs like freight, rigging, and installation included only in some structures. Established shops with clean credit regularly close with no money down. Newer businesses and weaker credit files typically put 10% to 20% down.
Directionally 7% to 18% APR. Time in business, credit profile, equipment resale value, and whether the machine is new or used all move the number. These are directional ranges, not quotes. Your actual terms are set by the funding institution during underwriting.
5 to 15 business days is the realistic range. Application-only approvals under roughly $150,000 can come back in 2 to 3 days. Larger packages requiring financial statements, private-party purchases needing a lien search, and multi-vendor projects take longer.
Yes. Used equipment is a large share of manufacturing equipment financing. What matters is remaining useful life and resale market. Funders match the term to how long the machine will keep working, so older equipment funds on shorter terms.
No. Equipment financing is debt secured by the machine, not an equity investment. Manufactor Finance is an independent commercial finance broker, not a bank, lender, or investor, and we connect manufacturers to funding institutions without them giving up ownership.
Equipment financing sits outside conventional bank credit boxes because the collateral carries much of the risk. Shops declined for a line of credit are approved for equipment regularly, particularly when the machine has a strong resale market and the work behind it is already sold.
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