Manufacturing equipment financing.

Production and assembly lines, CNC and fabrication equipment, robotics and automation, injection molding presses, air compressors and utilities, forklifts and plant equipment, quality and inspection systems, and facility expansion, from a $15,000 usual minimum well into seven figures. New and used equipment both qualify.

Yes. On an automation cell the robot can be a quarter of the project and integration, tooling, programming, and commissioning the rest; those soft costs can be included on qualifying transactions so the line is one payment. Progress and pre-funding arrangements are available where the integrator bills in milestones. Our guide to financing automation covers the whole-project math.

Yes. New, used, and refurbished equipment are financed from dealers, auctions, and private sellers. Used equipment is underwritten on its remaining useful life at the end of the term, and a private-party purchase adds a lien search, an inspection or appraisal on larger items, and funds paid directly to the seller rather than through you.

Expect 10% to 15% down on used equipment from a dealer and 15% to 25% on a private-party sale, with a rate roughly one to three points above the same equipment bought new. Used presses, machining centers, and robots are underwritten on the OEM, the control generation, and whether software licenses transfer; see buying used industrial robots. See the private-party purchase guide.

Many established-business programs start around 600 FICO, and two or more years in business opens the broadest set of programs and the best pricing. Between one and two years narrows the field but stays workable; under one year the file is underwritten as a startup, which typically means 700+ personal credit, relevant industry experience, and working capital left after the purchase. Customer concentration and contract terms are read alongside the credit on a manufacturer's file; our business credit guide for contract manufacturers covers how underwriters see it.

The score alone rarely decides it: cash flow, the equipment, and money down all move the answer. Full detail is in the qualification guidelines and the credit score guide.

Equipment finance agreements run 24 to 84 months and leases 24 to 60 months, with $1, 10%, or fair market value buyouts. The term cannot outrun the equipment's remaining useful life, so used equipment is often written on a shorter term than new.

Presses, lines, and utilities are long-lived and usually financed and owned, with the term sized to the program or contract the equipment supports; a fair market value lease fits equipment dedicated to a program that may not renew. The lease vs. loan guide runs one machine through every structure with real numbers.

Yes. A sale-leaseback on paid-off presses, machining centers, or automation returns cash as a lump sum while the equipment keeps running, on terms up to 60 months, with no prepayment penalty on most approvals. Our injection molding leaseback guide covers how presses are valued.

Most applications get a first response within 1 to 2 business hours, with same-day options on qualified files and approvals in as little as 30 minutes on clean application-only files. Funding follows in as little as 24 to 48 hours once documents are signed.

Application-only decisions, with no tax returns or financial statements, are available up to $500,000 on qualifying files; above that, expect a full financial package. The application starts with a soft credit inquiry, which does not affect your score.

Usually, yes. For 2026 the Section 179 limit is $2,560,000 of qualifying equipment, phasing out above $4,090,000 of purchases, and bonus depreciation is 100%. New and used equipment both qualify, and financing does not change the deduction: equipment bought on an equipment finance agreement or a $1 buyout lease with nothing down is deducted the same as a cash purchase, as long as it is placed in service by December 31.

On a fair market value lease the funder owns the equipment, so you deduct the payments as rent instead. Run the estimate in the Section 179 calculator and confirm the treatment with your tax advisor.

You choose the equipment and get a quote from the seller. Once you're approved and the documents are signed, the seller is paid directly and you make monthly payments over 24 to 84 months on an equipment finance agreement, or 24 to 60 months on a lease. The equipment is the main collateral. Application-only approvals, with no tax returns or financial statements, go up to $500,000 on qualifying files, and installation, freight and integration can be included on qualifying deals so the whole project is one payment.

Yes. Fiber lasers, plasma tables, press brakes, shears, welding equipment and robotic welding cells are all financed, new or used, from a $15,000 usual minimum well into seven figures. Expect 10% to 15% down on used equipment from a dealer and 15% to 25% on a private-party sale, and the term can't run past the machine's remaining useful life. Rigging, installation and freight can be included on qualifying transactions.

It depends on the amount, term, rate and structure. As examples only, at an assumed 9% rate with the full amount financed: a $75,000 press brake over 48 months is about $1,866 a month, a $250,000 robot cell over 72 months is about $4,506, and a $750,000 assembly line over 84 months is about $12,067. Your actual rate depends on your credit, time in business and the equipment. The Quote Builder shows an estimate on your own numbers with no credit pull.

Run the numbers first in the Quote Builder: set the equipment cost, term, down payment, and structure and see an estimated payment in a few taps, with no credit pull. When it fits, one short application and a soft credit inquiry get you matched with a dedicated funding professional who manages the deal from application to funding.