Manufacturing Equipment Loans: CNC, Industrial, and Heavy Machinery Financing
American manufacturing is reinvesting at record levels — $238 billion in manufacturing construction in 2024 alone. Whether you're upgrading a production line, adding capacity, or equipping a new facility, PeerSense has equipment finance options for every stage.
What Equipment Qualifies
PeerSense finances virtually every type of manufacturing equipment — from precision CNC machines to heavy industrial systems.
CNC Machines
Mills, lathes, routers, plasma cutters, laser cutting systems
Robotic Systems
Industrial robots, automated assembly lines, pick-and-place systems
Industrial Presses
Hydraulic presses, stamping equipment, metal forming machinery
Injection Molding
Plastic injection molding machines, blow molding equipment
Material Handling
Forklifts, conveyor systems, overhead cranes, pallet jacks
Packaging Equipment
Shrink wrap, labeling machines, palletizers, case packers
Metal Fabrication
Welding equipment, bending machines, shears, punches
Food Processing
Commercial ovens, mixers, slicers, packaging lines
Financing Options for Manufacturing Equipment
Every manufacturer has different needs. PeerSense structures the right financing for your equipment, timeline, and credit profile.
SBA 504 Loans
Best for major equipment with 10+ year useful life. Fixed rate, long-term financing. Manufacturers get higher loan limits under SBA 504.
- Fixed interest rates
- Up to 90% financing
- Long-term amortization
- Lower down payment
SBA MARC Program
Working capital that supports equipment investment. First SBA program exclusively for manufacturers. Can stack with 504 and 7(a).
- Revolving or term structure
- Manufacturer-exclusive
- Stacks with other SBA loans
- Working capital flexibility
Equipment Leasing
Lease manufacturing equipment with flexible end-of-term options. Preserve working capital and maintain equipment flexibility. Best for established manufacturers with 680+ credit who want to preserve cash flow and maintain equipment flexibility.
- Fast approval (3–10 days)
- Startup-friendly
- Flexible structures
- Tax advantages
Sale-Leaseback
Turn existing owned equipment into working capital. You sell the equipment and lease it back. Immediate cash without disrupting operations.
- Immediate liquidity
- Keep using equipment
- No new debt on balance sheet
- Fast closing
Who This Works For
Manufacturing equipment financing works for businesses at every stage — from startup to scale.
Established Manufacturers
Operating manufacturers with 2+ years in business, demonstrated cash flow, and a track record of production. Best rates and terms available for manufacturers with strong financials and 680+ credit scores.
Growing Operations
Manufacturers expanding capacity, adding new production lines, or upgrading equipment to meet increased demand. Newer operations with demonstrated cash flow and strong industry experience may qualify with the right equipment collateral and deal structure.
Manufacturers Buying Out a Competitor
Acquisition financing that includes equipment as part of the deal. SBA 7(a) and 504 can finance both the business and the equipment.
Businesses Replacing Aging Equipment
Replacing outdated machinery with modern, more efficient equipment. Sale-leaseback options available for existing owned equipment.
Frequently Asked Questions
Have questions about manufacturing equipment financing? Our specialists are ready to help.
Call (317) 452-6990Yes. Most equipment lenders finance both new and used manufacturing equipment. For used equipment, the lender evaluates remaining useful life and current market value. Some lenders specialize specifically in used and refurbished equipment.
Most manufacturing equipment lenders require a minimum credit score of 680 for competitive rates and terms. For high-value equipment deals — such as CNC machines, robotics, or production lines with strong resale markets — some lenders may focus more on equipment quality, operator experience, and deal structure rather than credit score alone. Established manufacturers with strong collateral and demonstrated cash flow may have more flexibility in how the financing is structured.
Equipment leasing can close in 3–10 business days. SBA 504 and MARC take 4–8 weeks due to government underwriting. Sale-leaseback transactions typically close in 2–4 weeks.
Absolutely. Multi-asset deals are common in manufacturing. For larger transactions, PeerSense can structure master lease agreements or equipment credit facilities that allow you to draw down as you acquire additional assets over time.
It depends on your tax situation, cash flow needs, and how long you plan to use the equipment. Leasing preserves cash and may offer tax advantages. Buying builds equity and is better for long-life assets. PeerSense can model both structures at no charge.
Yes. MARC is designed to work alongside 7(a) and 504. You can use 504 for the equipment purchase and MARC for the working capital needed to support production, inventory, or scaling.
Ready to Finance Your Manufacturing Equipment?
Whether you need CNC machines, robotic systems, or heavy industrial equipment — PeerSense has financing options from $500 to $100 million.
PeerSense identifies the right capital source from our network of 500+ lenders, private equity firms, and institutional advisors — and makes the introduction. You get a straight assessment of where your deal fits and a direct connection to the source most likely to close it.
Whether you're modernizing your production line, expanding capacity, or acquiring specialized machinery, we'll connect you with the right financing solution.