Can you finance soft costs like shipping and installation?

Yes. Many of our equipment financing programs allow you to bundle soft costs—such as shipping, installation, software, and training—into the total loan amount, often up to 20-30% of the equipment cost.

What is a sale-leaseback?

If you own your manufacturing equipment free and clear, a sale-leaseback allows you to sell the equipment to a lender for a lump sum of cash, and then immediately lease it back. This is a powerful way to generate working capital without disrupting production.

Do you finance specialized or custom-built machinery?

Yes, though custom-built equipment may require a stronger financial profile or a larger down payment since the collateral is harder for the lender to resell in the event of a default.

Free DiagnosticExposure Score™

Industrial Capital Solutions

Manufacturing Equipment Financing

Upgrade your production lines, increase capacity, and modernize your facility with specialized financing for manufacturing and industrial equipment.

Checking your readiness will not impact your credit score (Soft Pull).

Who This Is For

CNC machine shops needing new milling or turning centers
Food and beverage manufacturers expanding production lines
Plastics, packaging, and textile manufacturing facilities
Industrial fabrication and welding shops

Common Uses

Purchasing new or used production machinery
Upgrading to automated or robotic manufacturing systems
Refinancing existing equipment to improve monthly cash flow
Funding the soft costs (installation, training, software) of new equipment
Sale-leaseback transactions to unlock working capital from owned machinery

Qualification & Documents

Key Qualification Factors:

Equipment must be directly tied to revenue generation or cost savings
Minimum 2 years in business preferred
Sufficient historical or projected cash flow to cover the new debt
Acceptable personal credit of the guarantors
Equipment quote from a recognized manufacturer or dealer

Documents Needed:

Detailed equipment quote, invoice, or spec sheet
Most recent 2 years of business tax returns
Year-to-date P&L and Balance Sheet
Brief narrative on how the equipment will increase revenue or efficiency
Current business debt schedule

Funding Timeline

Equipment financing is highly streamlined. Approvals often occur within 24-48 hours, and funding is typically released to the vendor immediately upon delivery and acceptance of the machinery.

Frequently Asked Questions

Common questions about this financing option.

Have Questions? We're Here to Help

Connect with our team to get the answers you need and start building your strategy.

Book a Strategy Call

Over 30 years of experience protecting Arizona business owners.