Manufacturing Equipment Financing
Manufacturing equipment purchases tend to be large, specialized, and directly tied to production capacity. We do the work of connecting manufacturers with institutional lenders who understand industrial equipment and the capital planning behind it.
- Manufacturing equipment financing terms often range 3-7 years, tracking the equipment's expected useful life.
- Installation and integration costs can sometimes be financed alongside the equipment itself.
- Section 179 and bonus depreciation can meaningfully lower the after-tax cost of a financed purchase in the year it's placed in service.
What manufacturing equipment can I finance?
Our institutional lender network finances the following manufacturing equipment categories:
What's different about financing manufacturing equipment
Manufacturing equipment is often custom-configured or highly specialized, which affects how lenders evaluate resale value and useful life compared to more standardized equipment.
- Custom or specialized configurations can mean a longer useful life on your books but a smaller resale market, which some lenders weigh into term and down payment.
- Production capacity — equipment that directly increases output or unlocks new contracts can strengthen the case for financing, since it's tied to revenue growth.
- Installation and integration costs are sometimes financeable alongside the equipment itself — worth raising when you submit your inquiry.
- Longer useful life often supports longer financing terms than equipment with faster turnover.
Tax planning for large equipment purchases
Because manufacturing equipment purchases are often large, Section 179 and bonus depreciation can meaningfully affect the after-tax cost of financing — see our Section 179 guide and calculator to estimate the impact for your purchase.
Frequently asked questions
Can I finance custom or specialized manufacturing equipment?
Yes — custom-configured equipment is financeable. Lenders factor the specialized nature of the equipment into their underwriting, which can affect term and down payment.
Does installation cost get included in financing?
Sometimes — installation, integration, and related costs can be included in some financing structures. Mention this when you submit your inquiry so we can match you with a lender whose program supports it.
How does Section 179 apply to manufacturing equipment?
Qualifying equipment placed in service during the tax year can be deducted up front rather than depreciated over several years, even if it's financed rather than paid for in cash. See our Section 179 calculator for an estimate specific to your purchase.
What financing terms are typical for manufacturing equipment?
Terms often range from 3 to 7 years depending on the equipment's useful life, with longer terms available for equipment with a longer expected service life.
Request Manufacturing Equipment Financing
Tell us about the equipment you need to finance and we'll be in touch to discuss next steps.