CNC Machine Financing for Precision Manufacturers
CNC machining centers, lathes, 5-axis systems and automation cells are core revenue assets for precision manufacturers. We prepare the request and place it with banks, private credit funds and equipment finance providers that understand machine values and shop economics.
Most shops use an equipment term loan secured by the machine, commonly 10–20% down with 5–7 year terms. Providers look at the shop's financials, customer base and how the new capacity will be used. Late-model used machines from recognized builders are often financeable.
Adding CNC capacity or automation?
Tell us what you need, your timeline, and the context behind your transaction.
- A review of your business and capital needs
- Placement options aligned with your transaction
- A clear conversation about the next steps
Opens a short inquiry form · No obligation
CNC & precision manufacturing equipment: what lenders generally look for
General market observations used by banks and private credit funds at this size.
| Benchmark | Typical range |
|---|---|
| Typical assets | Vertical/horizontal mills, lathes, 5-axis, EDM, automation cells |
| Down payment | Commonly 10–20% of cost |
| Term | Commonly 5–7 years |
| Used machines | Often financeable from recognized builders |
| Soft costs | Tooling, rigging and installation sometimes included |
| Key review items | Financials, customer concentration, utilization plan |
Educational ranges only. Independent capital providers set eligibility, pricing and terms.
Who it fits
- Machine shops and contract manufacturers with two or more years of history
- Aerospace, medical device, automotive and industrial suppliers adding capacity
- Shops replacing older machines to cut cycle times
- Automation projects tied to existing customer demand
Outside what we place
- Purchases justified only by customer demand that has not materialized
- Short-term rental arrangements
- Businesses without financial statements or operating history
Illustrative example
Hypothetical: a $12M contract manufacturer adds two 5-axis machining centers and a pallet automation cell for about $2.1M including rigging and tooling.
The shop puts roughly 15% down and seeks a 7-year term.
The provider reviews financial statements, customer concentration, the machine quotes and current utilization. Final terms, if any, are set by the capital provider.
Documents to prepare
- Two years of business tax returns or financial statements
- Year-to-date income statement and balance sheet
- Machine quotes, including rigging, tooling and installation
- Top-customer summary and current utilization
- Existing equipment and debt schedule
Frequently Asked Questions
Common questions about cnc & precision manufacturing equipment.
Often, yes, particularly late-model machines from recognized builders with service records. Terms may be shorter than for new equipment.
Get a confidential placement review
Tell us what you need, your timeline, and the context behind your transaction.
- A review of your business and capital needs
- Placement options aligned with your transaction
- A clear conversation about the next steps
Opens a short inquiry form · No obligation
Tzortzis Capital evaluates and arranges capital placements. Independent capital providers determine eligibility, pricing, documentation and closing timing. Published ranges are indicative, not approvals or commitments.