Manufacturing Equipment Financing
Strategic capital solutions for your machinery and equipment needs
Modernize your manufacturing operations with financing solutions designed specifically for equipment acquisition, upgrades, and technology investments.
Powering Manufacturing Growth Through Strategic Equipment Financing
In today's competitive manufacturing landscape, having the right equipment isn't just an operational necessity—it's a strategic advantage. Our specialized financing solutions help you acquire the machinery and technology you need without depleting your working capital.
Preserve Working Capital
Maintain your cash reserves for day-to-day operations while still investing in critical equipment upgrades.
Tax Advantages
Leverage potential tax benefits including deductions for interest payments and depreciation on financed equipment.
Flexible Terms
Access customized financing structures aligned with your cash flow patterns and business seasonality.
Equipment Financing Options
Equipment Loans
Traditional financing where you borrow a specific amount to purchase equipment and repay over time with interest.
- ✓Ownership of equipment from day one
- ✓Fixed interest rates and predictable payments
- ✓Terms typically from 2-7 years
- ✓Potential Section 179 tax deductions
Best for: Long-term equipment investments with clear ROI projections
Equipment Leasing
Rent equipment for a specified period with options to purchase, upgrade, or return at the end of the term.
- ✓Lower monthly payments than loans
- ✓Easier to upgrade to newer technology
- ✓100% financing with minimal upfront costs
- ✓Operating leases may be fully tax-deductible
Best for: Technology that requires frequent updates or temporary production needs
SBA Equipment Financing
Government-backed loans with favorable terms for small and medium-sized manufacturers.
- ✓Lower down payments (often 10-20%)
- ✓Longer repayment terms up to 10 years
- ✓Competitive interest rates
- ✓Available for businesses that might not qualify for conventional financing
Best for: Growing manufacturers with limited credit history or collateral
Line of Credit for Equipment
Flexible revolving credit that can be used for equipment purchases as needed.
- ✓Draw funds as needed for multiple equipment purchases
- ✓Only pay interest on what you use
- ✓Reuse available credit as you pay down the balance
- ✓Quick access to funds for unexpected equipment needs
Best for: Ongoing equipment needs or unexpected replacement requirements
Our Equipment Financing Process
Assessment & Strategy
We begin by understanding your equipment needs, business goals, and financial situation. Our team analyzes your cash flow, tax position, and growth projections to determine the optimal financing approach.
Financing Package Development
Our team prepares a comprehensive financing package including financial statements, equipment specifications, ROI projections, and business plans tailored to lender requirements.
Lender Matching & Negotiation
We leverage our extensive network of equipment financing partners to secure competitive terms. Our team negotiates rates, terms, and conditions to maximize your financial advantage.
Documentation & Closing
We handle the complex paperwork and compliance requirements, ensuring all documentation is properly prepared and submitted. Our team coordinates with lenders, equipment vendors, and your legal team for a smooth closing process.
Implementation & Ongoing Support
After financing is secured, we assist with equipment acquisition logistics and provide ongoing financial advisory to ensure you maximize tax benefits and maintain optimal financial performance.
Success Story: Precision Parts Manufacturer
$1.2M CNC Equipment Upgrade
A precision parts manufacturer needed to upgrade their CNC machinery to meet new customer requirements but was concerned about depleting their working capital during a period of rapid growth.
Challenge:
The company needed $1.2M in new equipment while preserving cash for increased material purchases and hiring.
Solution:
We structured a hybrid financing package combining an equipment loan with favorable terms for 80% of the purchase and a sale-leaseback of existing equipment to cover the down payment.
Results:
- Acquired all needed equipment with $0 out-of-pocket
- Increased production capacity by 40%
- Reduced per-unit production costs by 22%
- Secured $3.2M in new contracts within 6 months
- Achieved 100% ROI on equipment within 18 months
— Operations Director, Precision Parts Manufacturer
Calculate Your Equipment ROI
Our equipment ROI calculator helps you determine the financial impact of your equipment investment, including tax benefits, productivity gains, and payback period.
Try Our ROI CalculatorEquipment Cost
$500,000
Monthly Payment
$9,650
Tax Savings
$105,000
ROI Period
14 months
Frequently Asked Questions
How much down payment is typically required for equipment financing?
Down payment requirements vary based on your business profile, equipment type, and financing option. Traditional loans typically require 10-20%, while some leasing options offer 100% financing with no down payment. SBA loans may require as little as 10% down.
What tax benefits are available for equipment financing?
Section 179 of the IRS tax code allows businesses to deduct the full purchase price of qualifying equipment in the year it's placed in service, up to certain limits. Additionally, loan interest is typically tax-deductible, and depreciation deductions may be available. Leasing may offer different tax advantages depending on the structure.
How long does the equipment financing process take?
Timelines vary based on complexity and financing type. Simple equipment loans or leases can be approved in as little as 2-3 business days. More complex or larger financing packages typically take 2-4 weeks. SBA loans generally require 30-45 days to complete.
Can I finance used equipment?
Yes, financing is available for used equipment, though terms may differ from new equipment financing. Lenders typically consider the equipment's age, condition, remaining useful life, and resale value. We can help structure appropriate financing for quality used equipment that meets your business needs.
Ready to Finance Your Manufacturing Equipment?
Our team of equipment financing specialists is ready to help you secure the capital you need to grow your manufacturing business.
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