Manufacturing Equipment Financing Nationwide for Production Businesses, $10K to $5M
⚙️ Financing Built for ManufacturersI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Manufacturing equipment financing is the cleanest money in manufacturing, because the machine secures the loan. CNC machines, presses, injection molders, packaging lines, conveyors and robotics are financed with the equipment itself as collateral, so approvals are strong even for a newer shop, on new or quality used iron. And the timing is real: with 100% bonus depreciation in effect on qualifying equipment, financing now lets you spread the payments while writing off the full cost. I match you to lenders who fund the production floor.
Manufacturing Equipment Financing for Every Machine on the Floor
Whether you’re buying your first CNC, replacing a worn press, or financing a full production line, there’s a path built for it, and the machine itself is the collateral. Here’s what manufacturing equipment financing commonly covers.
CNC and Machining
Finance CNC mills, lathes, turning centers and machining equipment, with the machine itself as collateral so approvals are strong.
Presses and Forming
Finance stamping presses, press brakes, injection molders, extruders and forming equipment, new or quality used.
Robotics and Automation
Finance robotic cells, cobots, automated handling and the equipment that lets you do more with leaner staffing.
Lines and Conveyors
Finance full production and packaging lines, conveyors, palletizers and the systems that move product through the plant.
New or Used Equipment
Both finance. Manufacturers often buy quality used iron, and equipment financing covers new and used with the asset as collateral.
Bonus Depreciation Timing
With 100% bonus depreciation in play on qualifying equipment, financing now lets you write off the full cost while spreading payments.
A Shop Financed a $600K CNC Cell on the Machine Itself After the Bank Wanted More Collateral
A growing manufacturer landed a contract that needed a new CNC machining cell, but the bank wanted hard collateral and a long track record the shop did not have yet, on top of tying up its line of credit. The machine would pay for itself in months, but the financing was the holdup.
They called me. I matched them to equipment financing with the CNC cell itself as collateral, so the machine secured the loan and the line of credit stayed free for materials and payroll. With 100% bonus depreciation in play, the shop wrote off the full cost while spreading the payments. The cell ran the new contract and paid for itself.
That’s what the right equipment match looks like. Don’t Beg the Bank! Get funded instead.
Manufacturing Equipment Financing, the Right Tool for Each Need
Manufacturing equipment financing isn’t one product. The right structure depends on the machine, whether it’s new or used, and how it fits your plant. I match you to the one that fits, tap any to explore it.
Equipment Financing
CNC, presses, molders, robotics and lines, with the machine itself as collateral.
See SBA 7(a)Working Capital
Keep your cash and credit line free for raw materials and payroll while the machine is financed.
See working capitalSBA 504 and Real Estate
Own the plant your equipment runs in with long-term, fixed-rate commercial real estate financing.
See SBA 504Business Line of Credit
Revolving cash for tooling, materials and the swings in your production schedule, draw as needed.
See line of creditWorking Capital
Need the plant too? Conventional commercial real estate financing up to $100 million* on facilities.
See working capitalLine of Credit
Revolving capital for tooling, materials and production swings, draw only what you need.
See lines of creditQualifying for Manufacturing Equipment Financing
Equipment financing is the most accessible money in manufacturing because the machine secures the loan. The lender holds collateral that holds value, so requirements are more forgiving than an unsecured loan, and a manufacturer with decent credit and a machine to finance has strong options even when newer. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating or planned manufacturing business and a machine to finance.
- ✔A machine to finance and decent credit, the foundation an equipment lender wants.
- ✔A machine to finance and a business a lender can verify.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →The machine is the collateral, so approvals are strong even with newer or bruised credit.
- →New and used both finance, and 100% bonus depreciation can make the timing pay.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Manufacturing Equipment Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your manufacturing equipment financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Manufacturing Equipment Financing From My Desk
A snapshot of the manufacturing equipment financing I match to lenders nationwide, machine by machine. Every machine and shop is different, yours starts with a conversation.
Manufacturing Equipment Financing · CNC Cell
A shop financed a CNC machining cell on the machine itself, keeping its line of credit free for materials.
Used Press
A fabricator financed a quality used stamping press with the equipment as collateral and a fast approval.
Packaging Line
A producer financed a full packaging and palletizing line, writing off the cost under bonus depreciation.
How I Match Manufacturing Equipment Financing to the Right Lender
Equipment lenders compete hard for manufacturers because the collateral is strong, but they differ on what machines, brands and ages they will fund and at what rate. I work with many, so I match your manufacturing equipment financing to the lender most likely to fund your specific machine, new or used, at the best terms, and I review the options with you before you commit.
Here’s the reality for a manufacturer. Equipment is the most accessible financing you have, because the machine itself is the collateral. A CNC, press, injection molder, packaging line or robotic cell holds resale value, so the lender is secured by the asset rather than relying only on your history, which is why a newer shop or one with bruised credit can still get funded. Both new and quality used equipment finance, terms commonly run two to seven years to match the useful life, and many lenders will advance up to the full equipment value. The timing matters too: with 100% bonus depreciation in effect on qualifying equipment acquired since early 2025, you can write off the full cost in year one while spreading the payments over the term, which is a powerful reason to finance rather than drain cash. According to the U.S. Small Business Administration, its 7(a) program is also available for equipment when you want a government-backed route, including the SBA loan options on my loan programs page.
The right structure depends on what you’re doing. The machine usually runs through SBA 7(a) loan, and broader options live across the SBA loan programs. CNC, presses, molders, robotics and full lines are best matched to equipment financing, where the machine is the collateral, while raw materials and the production swings are covered by working capital or a business line of credit. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Needing the plant too points to facility and real estate financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me what machine you need and whether it’s new or used, and I’ll tell you honestly which manufacturing equipment financing fits, match you to the lender most likely to fund it, and stay with you through closing. Run a specific operation like a food and beverage plant, or need the building too? See my manufacturing business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is manufacturing equipment financing?
Can I finance equipment with newer or bruised credit?
Can I finance used manufacturing equipment?
How does bonus depreciation affect financing my equipment?
How much manufacturing equipment financing can I get?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund the Machines
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Equipment lenders each have their own appetite for machine types, brands and ages, and matching you to the one most likely to fund your specific machine at the best terms, new or used, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll want hard collateral for a machine that is collateral itself. I match you to manufacturing equipment financing built for the floor … finance the CNC, press, molder or line with the machine as collateral, keep your cash free, write off the cost under bonus depreciation, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, the machine, collateral and structure. Manufacturing equipment financing generally ranges from $10,000 to $5 million depending on the machine and need, with conventional commercial real estate available separately up to $100 million* on qualified facility transactions. *Equipment financing is commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acqequipment loans underwritten on the machine as collateral rather than the borrower’s prior’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *Conventional commercial real estate, development and construction financing up to $100 million applies only to qualified transactions; terms, leverage and timing vary by lender, the property and the deal. Tax treatment including 100% bonus depreciation depends on your situation and current law; consult your tax advisor. No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.