Chattel mortgage
Your business owns the machine from day one and the lender holds security over it. Suits long-life equipment.
Production finance
Manufacturing Equipment Finance
Upgrade the line, replace a failed machine or take on a bigger order, while your cash stays available for materials and wages.
Keep the line running
Why finance manufacturing equipment?
In manufacturing, capacity is everything. A faster laser, an extra CNC or an automated packaging line can open up contracts you would otherwise have to turn down. But production machinery is expensive, and paying cash can leave nothing in the account for raw materials and payroll.
Manufacturing equipment finance spreads the cost of a machine over a term that matches its working life. The machine itself is the security, so the loan is built around a productive asset rather than your house or your overdraft.
It works for small fabrication shops and larger factories alike, and for everything from a single press brake to a full production line. The same principles apply: know what you are buying, have the paperwork ready and pick a structure that suits how long you will keep the machine.
Manufacturing equipment finance is a secured business loan or lease used to buy production machinery such as CNC machines, lasers, presses, injection moulders and packaging lines. The machine is the security. With the supplier's invoice, ID and recent bank statements ready, next-business-day settlement is possible for straightforward applications, including some used and imported equipment.
Structures
Funding options for production machinery
Choose based on how long the machine will stay on your floor and how you want it treated in your books.
Finance lease
The lender owns the machine and leases it to you with a residual at the end. Can suit equipment you expect to upgrade.
Staged or progress payments
For large or custom machines, some lenders can pay the supplier in stages, such as a deposit on order and the balance on delivery.
What manufacturing equipment can be financed?
Most production equipment with a serial number and a resale market can be considered, whether new, used, locally supplied or imported.
If you are unsure whether a particular machine will suit a lender, send the quote anyway. Specialised equipment is assessed on its merits, and a lender may simply ask for a little more detail about how it fits into your production and what it would be worth on the open market.
- CNC routers, mills and lathes
- Fibre lasers, plasma cutters and press brakes
- Injection moulding and extrusion machines
- Packaging, labelling and filling lines
- Printing and finishing equipment
- Compressors, robotics, welding cells and conveyors
How fast can manufacturing equipment finance settle?
For standard machines with a clear invoice, it can be quick. Approval and settlement can move fast when the tax invoice or quote, ID and bank statements are ready, and next-business-day settlement is possible for straightforward applications.
Consider a joinery manufacturer whose edge bander fails mid-week with a kitchen order due to ship on Friday. If a used replacement is available locally and the paperwork goes through that day, production may only lose a day or two. In a similar bind? Our equipment breakdown guide walks you through the first steps.
Can I finance imported machinery?
Yes, though it takes more planning. Imported machines often require a deposit to the overseas supplier, then a balance before shipping or on arrival. Some lenders can fund these stages, and others will fund once the machine has landed and been installed.
If you are importing, ask your supplier for a pro forma invoice and expected delivery dates early. Costs such as freight, customs and installation may be fundable as part of the deal. For funding stock and imports more broadly, see trade finance.
Apply today… cashed up tomorrow!
Need the gear on site this week?
Start the 60-second enquiry now. When your documents are ready and the deal is straightforward, being cashed up as soon as tomorrow is possible for eligible applicants.
Is used manufacturing equipment worth financing?
Often. Good second-hand machinery can be on your floor sooner and at a lower price than new, and quality industrial machines can run for many years. Lenders will look at age, condition, hours and the brand's resale value.
Getting a service history or an independent inspection helps both you and the lender feel confident. Read more in our guide to used equipment finance.
Buying from an auction or a closing-down sale can be fundable too, but timing is tight because payment is often due within days. Let us know the auction date early so the approval is in place before you bid, rather than scrambling after the hammer falls.
What if a big order needs more than just a machine?
A large new contract usually means extra materials, extra shifts and a gap before the customer pays. Equipment finance covers the machine, but you may also need working capital to carry you through.
Trading businesses may be able to access unsecured or line-of-credit facilities typically from $5,000 to $500,000, sized on turnover and bank statements. Invoice finance can also release cash tied up in unpaid invoices. Combining the right products often works better than stretching one loan to cover everything.
What about tax and GST on production equipment?
As a general rule, a GST-registered business may be able to claim GST on the purchase, and depreciation and interest may be deductible when the business owns the machine. Lease payments are generally treated differently. Any asset write-off settings also change over time.
Because the right answer depends on your structure and the year you buy, please confirm the treatment with your accountant before you sign, especially if timing the purchase around EOFY.
Ready to add capacity?
There is no credit check when you first enquire, and a real person reviews your situation rather than pushing it to a stack of lenders. Please complete the form accurately so we can find the right match first time, subject to lender approval.
Have a supplier quote? Start the 60-second enquiry. You can also browse machinery finance for heavier industrial gear.
Trust and process
Clear, secure finance enquiries
Loanster keeps the enquiry process straightforward: no credit check to enquire, a real person looks at your situation, and your details are not sprayed out to a pile of lenders.
Secure online enquiry
Personal details are submitted through a secure form and are not sent through URL query strings.
Australian business context
Enquiries can include ABN, BAS, ATO, bank statement and asset details where relevant.
Lender criteria apply
Approval, pricing, loan amounts and funding times depend on lender assessment.
Clear next steps
Loanster helps identify what information may be needed before a lender can make a decision.
Common questions
Manufacturing Equipment Finance FAQs
Can I finance a CNC machine?
Yes. CNC routers, mills and lathes are commonly financed, new or used, because they have a clear resale market and serial numbers lenders can track.
Can installation and training be included?
Often, if they appear on the supplier's invoice as part of the purchase. Ask your supplier to itemise all costs.
Do I need a deposit for manufacturing equipment?
Not always. Established businesses may borrow the full price, while imported, custom or older machines may need a deposit.
Can a newer manufacturing business get finance?
Yes, though lenders may ask for a deposit, stronger documents or a longer look at bank statements. Experience in the industry helps.
Can I refinance machines I already own?
Yes. Equipment refinance or sale and leaseback can release cash from machines you own outright while they keep running.
What slows down manufacturing equipment finance?
Unclear invoices, overseas payment timing and missing bank statements are the most common delays. Gather them early to keep things moving.
Related finance options
Explore connected Loanster pages
Machinery Finance That Keeps Your Business Producing
Whether it's a CNC router, a packaging line or a workshop full of gear, machinery finance spreads the cost so your cash stays in the business.
Equipment Finance for Australian Businesses
Finance eligible equipment for your business while preserving cash flow for wages, suppliers and day-to-day operations.
Forklift Finance for Warehouses, Yards and Factories
When the forklift stops, so does everything else. Fund a replacement or an extra unit quickly and keep your cash for the rest of the business.
Equipment Refinance: Unlock Cash From Gear You Already Own
Your yard is full of machines and vehicles that are paid off. Turn some of that value into working capital, fast, without selling a thing.
All equipment loan options
See every equipment loan page on Loanster in one place.
Start your enquiry
See what you may qualify for
Tell Loanster what kind of finance you are looking for and the team will guide you through the next step. Please fill in the form accurately so we can match you first time. Finance is subject to lender approval, eligibility criteria, terms and conditions.
Prefer to talk? Call 03 9999 7370.
Last reviewed: 24 October 2026
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