Financing program
Connect with lenders who understand manufacturing. Equipment financing for CNC machines, presses, and automation. SBA loans for plants and warehouses. Working capital for raw materials, payroll, and production cycles. One application, we match you with the right programs.
Manufacturers finance equipment (CNC machines, presses, automation), SBA 7(a) and 504 loans for plants, warehouses and real estate, and working capital for raw materials, labor and overhead. Production costs land during the run and payment arrives after orders ship and customers settle, which is the gap most manufacturing borrowing is built to cover.
Manufacturing businesses operate differently from most other industries. Revenue follows production cycles—you incur costs for raw materials, labor, and overhead during production runs, then get paid when orders ship and customers settle invoices. Lead times between ordering materials and receiving customer payment create cash flow gaps. Standard bank loans often don't align with how manufacturers actually run their operations.
That's why manufacturing-specific financing matters. Lenders who understand the industry evaluate your order book, production capacity, and equipment—not just static financials. They structure equipment loans around the useful life of CNC machines and presses, working capital around production cycles, and SBA loans for plants and warehouses when you're ready to expand. Axiant Partners connects machining shops, fabricators, and manufacturers with lenders who get the industry. One application, we match you with programs suited to your business profile. See all industries we serve. Apply now to see what you qualify for.
If the bottleneck is material handling rather than the line itself, browse financing-ready SENNEBOGEN material handlers for scrap, recycling and industrial yards, plus telescopic wheel loaders that combine loader strength with telehandler reach.
Manufacturers need capital for machinery, automation, raw materials, and growth. From production cycle needs to long-term equipment and real estate purchases, here are the most common uses—and how we connect you with the right product.
CNC machines, lathes, presses, injection molding, robotics, and forklifts. Equipment financing spreads the cost over the asset's useful life instead of tying up cash. Many lenders specialize in manufacturing equipment and understand resale value. Typical terms 36-84 months. Browse equipment by type.
Raw materials, payroll, and overhead during production runs when receivables are outstanding. Working capital loans bridge the gap between material costs and customer payments—or between order intake and shipment. Terms can align with your production cycles. Essential when ramping up for large orders or managing lead times. Explore manufacturing working capital.
SBA 7(a) and 504 loans for plant or warehouse acquisition, equipment, real estate, and working capital. Lower down payments (10% for 504 real estate), longer terms (10-25 years), competitive rates. Use 7(a) for flexibility; 504 for owner-occupied land and buildings. Plan for 30-60+ days. View SBA loans for manufacturing.
Revolving credit for materials, payroll, and slow periods. Draw when orders ramp up or materials are needed; repay when customer payments arrive. Ideal for variable order flow and production cycles. Many manufacturers use a line alongside equipment and SBA financing. Explore manufacturing line of credit.
Purchase or refinance plants, warehouses, and production facilities. SBA 504 and conventional mortgages build equity while freeing capital for equipment and operations. Owner-occupied property often qualifies for favorable terms. Stop leasing; build equity instead. Explore plant & warehouse financing.
Buy another machining or fabrication company, acquire a plant, or purchase an existing business. SBA 7(a) loans finance acquisitions—often with as little as 10% down. Seller financing and thorough documentation improve approval odds. Grow through acquisition when organic growth isn't enough. SBA acquisition financing.
Manufacturing financing sizes vary by product, use of funds, and business profile. Here are representative ranges we see across the U.S.:
| Industry | Typical amount | What it funds |
|---|---|---|
| Equipment financing | $50,000 to $1,500,000+ | CNC machines, presses, injection molding, robotics, and forklifts. Single unit or fleet. New or used. |
| Working capital | $50,000 to $500,000+ | raw materials, payroll, and overhead. Terms often align with production cycles. |
| SBA 7(a) | $50,000 to $5,000,000 | working capital, equipment, acquisition, or real estate. Most flexible SBA program. |
| SBA 504 | $500,000 to $5,000,000+ | owner-occupied plants and buildings. 10% down, long-term fixed rates. |
| Lines of credit | $25,000 to $500,000+ | depending on revenue, credit, and lender. Revolving, draw as needed. |
Your actual amount depends on revenue, credit, collateral, order book, and lender. Use our financing calculator to estimate monthly payments. Apply now to get matched with programs for your situation.
Manufacturing-specific financing offers advantages that generic business loans often cannot match. Here's why manufacturers nationwide turn to specialized lenders:
Equipment financing often receives decisions in 24-48 hours. When you need a CNC for a big order or a press to replace a down unit, you can't wait 60 days. Working capital and lines of credit can fund in days to a few weeks. SBA takes longer but offers terms others can't match.
Spread equipment costs over 36-84 months instead of one lump sum. Keep cash for materials, payroll, and unexpected repairs. Working capital loans bridge production gaps without depleting reserves. Match financing structure to your cash flow—not the other way around.
Manufacturing lenders evaluate order book, production capacity, equipment utilization, and industry experience—not just financials. They structure loans around equipment useful life and production cycles. Terms that fit how you actually operate.
Equipment today, working capital for production, SBA real estate when you're ready to own your plant. Many manufacturers use a mix. We connect you with lenders who offer the full suite—so you're not juggling five different banks for five different needs.
We connect you with lenders who offer equipment financing, SBA loans, working capital, and lines of credit. Understanding the options helps you choose the right fit—and we guide you through that decision.
| Financing Option | Best For | |
|---|---|---|
| Manufacturing Equipment Financing | Loans for CNC machines, lathes, presses, injection molding, robotics, and forklifts. Spread costs over useful life; preserve cash for materials and payroll. Ideal for capacity expansion or upgrading equipment. Decisions often 24-48 hours. | Browse CNC, forklifts & more ? |
| SBA Loans for Manufacturing | SBA 7(a) and 504 loans offer longer terms and lower down payments. Use for working capital, equipment, plant, warehouse, and business acquisition. Approval typically 30–60 days. 10% down for 504 real estate. | View SBA loans for manufacturing ? |
| Manufacturing Working Capital | Cover raw materials, payroll, and overhead during production cycles. Bridge gaps when customer payments lag or orders ramp up. Terms aligned with manufacturing revenue cycles. | Explore manufacturing working capital ? |
| Manufacturing Line of Credit | Revolving credit for materials, payroll, and slow periods. Draw when needed; repay as orders pay. Well-suited to variable order flow and production cycles. Flexible, use as needed. | Explore manufacturing line of credit ? |
| Manufacturing Real Estate | Purchase or refinance plants, warehouses, and production facilities. SBA 504 and conventional mortgages build equity while freeing capital for equipment and operations. 10% down with 504. | Explore plant & warehouse financing ? |
Axiant Partners connects you with manufacturing lenders and guides you from application to funding.
Equipment financing: 24-48 hours. Working capital: days to weeks. SBA: 30-60+ days. Apply now to get started.
01
Tell us about your operation, equipment needs, order book, and use of funds. One application goes to multiple manufacturing lender partners. We determine whether equipment, working capital, SBA, or a combination fits best.
02
Our team analyzes your profile and identifies lenders whose programs align with your needs. Equipment-only? Working capital for production? SBA for a plant? We connect you with the right programs.
03
Equipment financing often requires minimal docs—application, bank statements, equipment quote. SBA and larger working capital need more. We tell you exactly what's needed and keep the process moving. Equipment decisions in 24-48 hours; SBA 30-60+ days.
04
Once approved, funds disburse per your loan type. Equipment financing—lender pays vendor or you. Working capital—deposited to your account. SBA—per closing docs. You're funded and ready to add capacity, expand, or acquire.
Manufacturing companies frequently finance CNC machines, presses, and specialized equipment. Below are common types, typical cost ranges, and why businesses finance them. Lenders who specialize in manufacturing equipment understand depreciation, resale value, and production usage—often resulting in better terms and faster decisions.
CNC milling machines and machining centers produce precision parts. New CNC equipment typically costs $50,000–$500,000 or more depending on size and capabilities. Many manufacturers finance CNCs to add capacity or replace aging units without large upfront outlays.
How to finance a CNC machine
Manual and CNC lathes and mills handle turning, boring, and milling operations. They typically cost $20,000–$150,000 or more. Financing helps manufacturers add machining capacity for increased throughput.
How to finance a lathe or mill
Press brakes and stamping presses form and cut metal. They typically cost $30,000–$300,000 or more depending on tonnage and features. Financing spreads the cost over the equipment's productive life.
How to finance press brake equipment
Injection molding machines produce plastic parts. New machines range from roughly $50,000 to $500,000 or more depending on clamp tonnage. Financing helps plastic manufacturers add or replace molding capacity.
How to finance injection molding equipment
Robotic arms automate welding, assembly, and material handling. Robots typically cost $30,000–$150,000 or more per unit. Financing helps manufacturers automate for efficiency and labor savings.
How to finance industrial robots
Forklifts, pallet jacks, and conveyors move materials in the plant. Forklifts typically cost $15,000–$80,000 or more. Financing helps manufacturers add material handling capacity for production flow.
How to finance a forkliftBrowse All Equipment by TypeApply for Manufacturing Equipment Financing
When you need a CNC for a big order, a press brake to increase capacity, or a robot to automate a process, you can't wait months. Manufacturing equipment financing delivers decisions in 24-48 hours for many applications. Lenders who specialize in industrial equipment understand your industry—they evaluate the asset, your order book, and production capacity. New or used, single unit or fleet, equipment financing preserves cash and matches payments to the equipment's productive life. Whether you run machining, fabrication, or assembly, we connect you with lenders who finance the equipment you need. See our full equipment financing overview or apply now to get matched. Right Manufacturing Systems customers can apply through our dedicated portal.
Manufacturing revenue follows production—you pay for raw materials, labor, and overhead during production runs, then get paid when orders ship and customers settle. Working capital loans bridge that gap. Cover materials for large orders, payroll during peak production, repairs when a machine goes down. Terms can align with your production schedule, so you're not stuck with a 12-month loan when revenue is order-based. Manufacturers use working capital to ramp up for big contracts, manage customer payment terms, and smooth cash flow. If you're tired of juggling payables while waiting on receivables, working capital financing can change the equation. Explore manufacturing working capital or apply to see your options.
Requirements vary by product and lender. Here's what most manufacturing lenders consider:
Credit 550+ FICO common; some programs work with lower. Revenue, time in business, and equipment value matter. New equipment often easier than used. Down payment 0–20% depending on credit and asset.
Revenue, cash flow, and time in business. Lenders want to see ability to repay. Order book and production capacity can support approval. Terms vary by lender.
Typically 650–680+ FICO, 2+ years in business, demonstrated profitability. Personal guarantees required. More documentation than equipment-only, but terms (10–25 years, 10% down for 504) often worth it.
Revenue stability, credit, and existing debt. Revolving structure means ongoing monitoring. Draw as needed; repay when customer payments arrive.
Strong operations with clear use of funds and solid documentation typically qualify for favorable terms. Challenged credit? Options exist—terms may differ. Apply now and we'll match you with lenders whose criteria fit your profile.
We focus on connecting manufacturers with the right lenders and moving your application forward efficiently.
We understand equipment, working capital, SBA, and how they fit together. We match you with lenders who serve your industry.
Equipment today, working capital for production, SBA when you're ready. One application goes to multiple lenders across product types.
We serve manufacturing businesses anywhere in the U.S. Industry segment and operation size don't limit your options.
We're compensated by lenders. Your match service is free.
One application, multiple options, support at each stage. Apply now to get started.
See a rough monthly payment for a fixed-rate business loan. Adjust the amount, rate, and term to fit your scenario.
Estimate only — your actual rate and term depend on your business profile and the lender. Get matched for a real quote.
Manufacturing businesses can access equipment financing for CNC machines, presses, and automation; SBA 7(a) and 504 loans for plants, warehouses, and real estate; working capital loans for raw materials, payroll, and production cycles; and lines of credit for variable order flow. Amounts typically range from $50,000 to $5,000,000 depending on use and business profile. Apply to see what you qualify for.
Equipment financing often receives decisions within 24-48 hours. SBA loans typically take 30-60+ days. Working capital and lines of credit can fund in days to a few weeks depending on lender and documentation. Need a CNC for a big order? Equipment financing is usually the answer.
Yes. Many lenders finance both new and used CNC machines, presses, and manufacturing equipment. Used equipment may have shorter terms (36-60 months) and rates based on age, hours, and condition. Resale value and useful life affect terms. See our guide to used equipment financing.
Equipment financing programs often accept 550+ FICO. SBA loans typically favor 650-680+ credit. Working capital and lines of credit vary by lender. Strong credit improves terms; options exist for challenged credit with different structures. Apply and we'll match you with lenders that fit your profile.
Manufacturers use working capital to cover raw materials, payroll, and overhead during production runs when receivables are outstanding. Terms can align with production cycles. Essential when ramping up for large orders or managing lead times between materials and customer payment.
Yes. SBA 7(a) and 504 loans finance CNC machines, presses, and manufacturing equipment. 7(a) is flexible for general equipment; 504 suits long-lived machinery and real estate. Approval typically 30-60 days. If you need equipment faster, equipment-only financing often funds in 24-48 hours. Compare SBA vs equipment financing.
Apply for Manufacturing Financing TodayExplore our latest manufacturing growth cluster focused on equipment-led capacity expansion, CNC margin strategy, working-capital stability, and second-shift scaling without quality drift. For equipment-specific guides by type, see Equipment by Type. For all articles, see Equipment Financing Articles.
A practical framework for adding production capacity while protecting liquidity, quality, and delivery performance.
Read →How to align CNC financing with work-mix strategy so new machine capacity drives real margin gains.
Read →A liquidity playbook for manufacturers balancing inventory timing, payroll needs, and delayed customer collections.
Read →A guide to scaling second-shift output while protecting quality control, delivery reliability, and margin discipline.
Read →We also provide financing for construction, logistics & warehousing, and trucking businesses. View all industries.
Manufacturing companies need financing that fits production cycles and growth plans. Axiant Partners connects manufacturers with lenders that offer equipment loans, working capital, SBA loans, and more. Submit your information once and we match you with programs suited to your business profile.
