Manufacturing equipment finance
Upgrade output without draining capital.
CNC machines, robotics and production lines funded so new capacity can pay for itself.
A more useful starting point
Manufacturing equipment finance: what matters before you enquire
Manufacturing equipment finance should look beyond the machine price. Installation, tooling, commissioning, software, operator training, import costs and downtime can all affect the investment case and amount required.
Who commonly uses it: Engineering businesses, fabricators, food manufacturers, packaging companies and production workshops use finance to increase throughput, reduce bottlenecks or replace ageing equipment.
Routes to compare: Hire purchase can suit durable equipment the business wants to own. Finance lease can suit automation and technology that will be upgraded. Sale & leaseback can release capital from existing production assets.
What we can fund
Common funding routes
Match the structure to the job the asset must do.
There is no universal best route. Compare ownership, useful life, deposit, payment profile, VAT, security and the end-of-term plan.
Hire purchase →
Hire purchase splits the price of an asset into regular payments. Once the final instalment and any option fee are paid, ownership passes to your business.
Finance lease →
With a finance lease you rent an asset for most of its useful life. The lender keeps legal ownership while your business enjoys full use of the equipment.
Sale & leaseback →
A lender purchases eligible assets from your business and leases them back to you, unlocking a cash sum with no disruption to day-to-day operations.
Broker tips
- ●Installation and commissioning costs can often be included
- ●Imports from overseas suppliers can be funded with the right paperwork
- ●Leasing suits technology that dates quickly
Prepare a credible brief
Information that keeps the conversation moving.
- ✓Supplier quotation with machine specification, delivery, installation and commissioning
- ✓Tooling, software, training, warranty and service-contract details
- ✓Production forecast, customer orders or margin explanation for the new capacity
- ✓Import, shipping, currency and supplier-payment details for overseas equipment
Plan the economics
Questions lenders and owners will care about.
- →A machine may not generate value until installed, commissioned and staffed
- →Consider the cost of keeping the old line operating during transition
- →Technology risk can make a shorter lease or upgrade path more relevant
- →Separate the financeable asset from consumables, stock and purely soft costs
Typical use cases
What this can look like in practice.
Can you fund imported machinery?+
Many lenders can, with supplier documents and shipping details.
Can installation and commissioning be included?+
Often, where they are clearly quoted and connected to the asset.
Can imported machinery be financed?+
Many lenders can consider it with supplier, shipping, currency and title information.
Should we own or lease technology?+
Compare expected useful life, upgrade cycle, end value and total cost rather than the monthly payment alone.
Next step
Start your quote
Tell us about the manufacturing equipment finance you are considering. Choose phone, WhatsApp or email as your preferred contact. No credit search to enquire.
Ready to fund your next asset?
Two minutes to share the details. No credit search from this website. A broker replies during opening hours.