Equipment Financing · Toys, Games & Juvenile Products
Equipment Financing for Toys, Games & Juvenile Products shops
Add capacity without draining cash. Our team looks for a funding partner with a equipment financing structure that fits how you actually run. No equity given up, and no application, origination, or closing fees to you.
Why toys, games & juvenile products shops choose equipment financing
You're placing tooling orders in February for a toy that has to be on a Target or Walmart shelf by September, testing it to CPSIA and ASTM F963 standards along the way, and hoping the buyer's forecast holds. By the time the PO turns into cash, half the year is gone and the next year's line is already in development.
Then the retailer takes their cut on the back end — chargebacks for late ship windows, damaged freight, markdown allowances, co-op advertising fees — and what hits your bank account is meaningfully less than the invoice said. Meanwhile your factory in Vietnam, Mexico, or right here in the US wants deposits before they'll cut a single mold.
Equipment Financing is one of the most direct ways to close that gap. Finance new or used machinery, CNC, robotics, and production lines.
What toys, games & juvenile products shops get
- Preserve working capital for materials and payroll
- Predictable monthly payments
- Potential Section 179 / bonus depreciation benefits (ask your CPA)
- Terms typically 24–72 months
How it works
- 1You identify the equipment (new or used, vendor or private-party)
- 2We refer your inquiry to an equipment lender or lessor that fits your industry and profile
- 3You get approved, sign, and the vendor is paid directly
- 4You make fixed payments and the equipment goes to work
Cash-flow realities we see in toys, games & juvenile products
- Extreme seasonality with 60–80% of annual revenue shipping in a three- to four-month Q4 window
- CPSIA, ASTM F963, and CPSC third-party lab testing costs due before a single unit sells
- Big-box and mass retailer chargebacks for late shipping windows, packaging non-compliance, and markdown allowances
- Tooling and mold deposits owed to overseas or domestic factories 6–9 months before sell-through
- Retailer terms of net-60 to net-90 that land well after the holiday selling season closes
Get referred for equipment financing
Tell us the basics. We'll confirm the fit and tell you exactly what this program requires before you fill anything long.
- ✓ No application, origination, or closing fees
- ✓ No equity given up
- ✓ US-based toys, games & juvenile products shops only
Other programs that fit toys, games & juvenile products
Purchase Order Financing for Toys, Games & Juvenile Products
Get the capital to fulfill large customer orders without straining cash flow
Explore Purchase Order Financing for Toys, Games & Juvenile ProductsInvoice Factoring for Toys, Games & Juvenile Products
Explore turning unpaid invoices into working capital instead of waiting on net-60 or net-90
Explore Invoice Factoring for Toys, Games & Juvenile ProductsAsset-Based Lending (ABL) for Toys, Games & Juvenile Products
Revolving lines secured by receivables, inventory, and equipment
Explore Asset-Based Lending (ABL) for Toys, Games & Juvenile ProductsEquipment Financing for other manufacturing niches
Frequently Asked Questions
Yes — equipment financing is one of the programs we most commonly place for toys, games & juvenile products shops. Manufacturers buying or replacing machinery, tooling, automation, or vehicles used in production. Full mechanics: the Equipment Financing program page. Sector overview: Toys, Games & Juvenile Products.
It depends on the program. Factoring often funds within days of account setup; equipment and working capital usually run days to a couple of weeks; SBA and larger term loans take longer. We tell you the real timeline up front.
No. We are an independent business financing referral service and are not paid by you. In most states, funding partners pay us when an account funds or activates; in California and Missouri they instead pay a fixed fee per inquiry, whether or not you are funded. Either way, you pay us nothing.
No. Every program we refer is non-dilutive. You keep 100% ownership of your shop.
Yes. PO financing typically funds production and testing costs together since both are required before goods can legally ship. Lenders that work this sector expect CPSIA and ASTM F963 lab fees as a normal line item in the funding request.
Factoring and ABL facilities net anticipated chargebacks — late shipment fees, markdown allowances, co-op ad deductions — against the advance rate or reserve. Lenders familiar with mass retail toy programs build these deductions into underwriting rather than treating them as surprises.
Yes. Many partners finance used equipment, including private-party purchases, though rates and terms depend on the age and condition of the asset.
Ready to keep production moving?
Start with a quick inquiry or a phone call. We'll tell you exactly what the right program requires. At no charge.
Apply. Fund. Deliver. No obligation.
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