Conventional Manufacturing Equipment Financing
CNC, presses, injection molding, robotics, automation. 100% financing, 2-7 years.
- Up to 100% financing
- 2-7 year terms
- 5-15% APR
- Section 179 deduction
WESTVALVE FINANCIAL • EQUIPMENT FINANCING FOR MANUFACTURING
Equipment Financing for Manufacturing.
CNC, presses, injection molding, robotics, automation — 100% financing, 2-7 year terms, Section 179 tax benefits. SBA 504 for heavy machinery. Fast approval for manufacturing plants.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALMANUFACTURING EQUIPMENT
100% FINANCING AVAILABLE
CNC to robotics. Smart financing.
CNC, presses, injection molding, robotics, automation — the equipment secures the loan. Lower rates, tax benefits, matched terms.
MANUFACTURING EQUIPMENT FINANCING
CNC to robotics. Smart financing.
CNC, presses, injection molding, robotics, automation — the equipment itself secures the loan. Lower rates, tax benefits, terms matched to equipment life.
SBA 504 for Heavy Machinery
CNC >$250K, presses, injection molding. 10% down, 25-year fixed, equipment as collateral.
- Up to $5.5M
- 10, 20, 25 yr fixed
- Fixed, below market
- 10% down (15% special use)
Robotics & Automation Financing
Robotic cells, cobots, automation lines. 100% financing, matched to ROI.
- Up to 100% financing
- 3-7 year terms
- Rates vary by provider and equipment type
- ROI-matched terms
Used Manufacturing Equipment Financing
Pre-owned CNC, presses, robotics. Up to 15 years old for heavy iron.
- Up to 15 yrs old (heavy)
- Up to 10 yrs old (CNC/robotics)
- 85-100% financing
- Rates vary by provider and equipment type
TAX BENEFITS
Section 179 & Bonus Depreciation.
01
Section 179 Deduction
Deduct up to $1.22M (2024) of equipment cost in year one. Immediate expense vs. depreciation.
02
Bonus Depreciation
60% (2024) additional first-year deduction. Combined with 179 = 80-100% year-one deduction.
03
Preserve Cash Flow
Finance 100%, deduct 80-100% year one. Equipment pays for itself from tax savings.
04
Consult Your CPA
Tax laws change. Your CPA calculates exact benefit for your entity structure and income.
MANUFACTURING EQUIPMENT WE FINANCE
CNC to robotics. Every category.
CNC Mills
CNC Lathes
Injection Molding
Presses
Robotics
Automation
3D Printing
Laser Cutting
Welding
Fabrication
Quality Control
SBA 504 vs CONVENTIONAL
Pick the right program for your shop.
| Feature | Conventional Equipment Financing | SBA 504 |
|---|---|---|
| Best For | $50K-$250K equipment | Heavy machinery >$250K |
| Down Payment | 0-20% | 10% (15% special use) |
| Term | 2-7 years | 10, 20, 25 years |
| Rate | 5-15% APR | Fixed, below market |
| Collateral | Equipment only | Equipment + RE (if applicable) |
| Speed | 3-7 days | 60-90 days |
| Tax Benefits | Full 179 + Bonus | Full 179 + Bonus |
REQUIREMENTS
What you need to qualify.
Conventional Equipment Financing
- Credit: 600+ (alt), 660+ (bank)
- Time in business: 1+ year
- Revenue: $250K+ annually
- Down: 0-20%
SBA 504 for Manufacturing
- Credit: 680+
- Time in business: 2+ years
- Profitable
- Down: 10% (15% special use)
Used/Automation Equipment
- Credit: 600+
- Time in business: 2+ years
- Down: 10-20%
- Equipment age limits apply
Documents
- Equipment quote/invoice
- 3 yr business tax returns
- YTD P&L + Balance Sheet
- 3 months bank statements
GET STARTED
Let's finance your shop.
Tell us what equipment you need — CNC, presses, robotics, automation. We'll match you with the right program and provider.
FAQ
Questions about manufacturing equipment financing.
Can manufacturing companies get 100% equipment financing?
Yes. Many equipment financing programs offer 100% financing (no down payment) for manufacturing equipment — the equipment itself serves as collateral. SBA 504 requires 10% down but offers 25-year fixed rates. Conventional manufacturing equipment financing often requires 0-20% down depending on credit and equipment type.
What's the best way to finance heavy manufacturing equipment?
For heavy machinery (CNC, presses, injection molding >$250K): SBA 504 is often best — 10% down, 25-year fixed rate, equipment as collateral. For smaller equipment ($50K-$250K): conventional equipment financing offers 100% financing, 2-7 year terms, Section 179 deduction. We help you compare both.
Can I finance used manufacturing equipment?
Yes. Most equipment financing programs finance used manufacturing equipment — typically up to 10-15 years old for heavy machinery, 7-10 years for CNC/robotics. Age and condition affect rate and term. We work with providers who specialize in used manufacturing equipment financing.
What are the tax benefits of manufacturing equipment financing?
Section 179 deduction: deduct up to $1.22M (2024) of equipment cost in year one. Bonus depreciation: 60% (2024) additional first-year deduction. Combined, you can often deduct 80-100% of equipment cost in year one. Consult your CPA for your specific situation.
What credit score do manufacturing companies need for equipment financing?
Conventional equipment financing: 600+ (alt), 660+ (bank). SBA 504: 680+. Strong equipment collateral and manufacturing experience can offset 620-659 scores. We've seen 620-640 approved with 20%+ down and 3+ years experience.
Can I finance a production line or cell?
Yes. Production line and cell financing programs finance multiple machines under one master lease or loan. Typically 3-7 year terms, 85-100% financing. We work with providers who specialize in manufacturing cell and production line financing.