Packaging equipment financing.

Filling and capping machines, labelers and coders, cartoners and case packers, palletizers, shrink and stretch wrapping, bagging and pouch machines, inspection and checkweighing systems, and complete packaging lines. Single machines and full lines are both financed, from a $15,000 usual minimum to $5 million and above.

Yes. On a packaging line the soft costs, freight, rigging, installation, integration, and commissioning, can run to a third of the project, and they can be included on qualifying transactions so the whole line is one payment. Progress and pre-funding arrangements are available where the OEM needs deposits during the build, and the first payment can be deferred until the line is running.

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 fillers and cartoners are underwritten on the OEM, the control generation, and whether parts and support are still available; a machine the manufacturer still services finances on a longer term. 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.

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.

Packaging lines are long-lived and usually financed and owned, with the term matched to the contract or product volume the line is being bought for; a fair market value lease fits where the line is dedicated to a program that may not renew. The lease vs. loan guide runs one machine through every structure with real numbers.

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. For a line, an itemized OEM quote that separates machinery from installation and integration lets underwriting size the soft-cost portion quickly.

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.

Yes. Leases run 24 to 60 months with a $1, 10%, or fair market value buyout. A $1 buyout lease works a lot like financing, and you own the machine at the end. A fair market value lease has the lowest payment, and when the term ends you can buy the equipment at market value, extend, upgrade, or return it. That suits a machine you expect to trade for a faster model in a few years.

Used and refurbished packaging machines can be leased too. The term still has to fit the machine's remaining useful life, so an older machine usually gets a shorter term.

Usually not, and Five West doesn't offer lines of credit. A bank line is short-term money. It's often at a variable rate tied to prime, it usually renews every year, and it can come with a blanket lien on the business. A filler or palletizer runs for years, so a fixed payment over 24 to 84 months matched to the machine is the better fit, and it keeps your line free for film, cartons, and payroll.

If you already own packaging equipment free and clear and need working capital, an equipment leaseback is the option we offer instead.

Yes. Co-packers, contract packagers, manufacturers, and B2B packaging suppliers can finance new and used machinery with an equipment finance agreement over 24 to 84 months or a lease over 24 to 60 months. For a bigger move, like a facility expansion or a large equipment package, SBA 7(a) and 504 loans offer longer terms, but plan on 90 days or more to funding.

Already own your packaging equipment outright? An equipment leaseback turns it into working capital, with funding 2 to 5 business days after signing.

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.