Can financing cover the builder deposit before the machine ships?

Yes. Progress-payment structures are standard on long-lead machine tools. We place progress-payment structures that fund the builder milestones directly and start amortization at delivery or runoff acceptance, so you are not making payments on iron sitting in a crate overseas.

Is tooling and workholding financeable?

Generally yes, as part of the machine package — fixtures, probing, tool packages, and integration typically ride on the same schedule. Standalone consumable tooling is not, since it has no collateral value.

Can I use Section 179 if I finance instead of paying cash?

Yes. Financed equipment placed in service during the tax year is generally eligible for Section 179 or bonus depreciation treatment even though you have only paid a fraction of the price. Confirm the specifics with your CPA — the deduction limits and phase-outs change.

What about a used machine from a dealer or liquidation?

Used machine tools finance well because they hold value. We need make, model, year, control generation, spindle hours if available, and ideally a power-up inspection. Liquidation purchases work but require pre-approval given short settlement windows.

Precision manufacturing

CNC & Machine Tool Financing

Machine tools are bought against a quote, not against a hunch. A job shop adding a 5-axis center usually already has the part family and the customer that justifies it — the constraint is that the builder wants a deposit now and the customer will not pay for parts until Q3. Financing bridges exactly that gap, and it does so against equipment with a twenty-year useful life and a genuinely liquid secondary market.

Quick answer

CNC and machine tool financing for job shops and contract manufacturers. Mills, lathes, presses, and 5-axis centers from $75K to $8M. Approvals in 24-48 hours.

Price cnc & machine tools financing

Two quick steps. An advisor responds within 24-48 hours.

The numbers on this asset

Typical unit cost

$95K 3-axis VMC – $1.2M 5-axis or multi-pallet cell

Financed range

$75K – $8M including tooling and integration

Term

60 – 84 months

Progress payments

Builder deposits and milestone draws can be funded pre-delivery

Who finances cnc & machine tools

Job shops adding capacity against a named long-term supply agreement
Aerospace and defense suppliers qualifying new part numbers that require tighter tolerance capability
Medical device machinists adding Swiss-type or multi-axis capability for a new program
Second-generation owners modernizing a floor of 1990s manual and 3-axis equipment

Recent structure

Funding a builder deposit nine months before delivery

A Midwest contract manufacturer won a five-year aerospace bracket program contingent on installing a twin-pallet horizontal center. The builder wanted 30% at order, 30% at ship, and 40% at runoff, on a nine-month build. We structured a $1.05M schedule that funded the builder milestones as they came due, with amortization starting at runoff acceptance rather than at first deposit — so the shop was not paying on a machine that had not yet cut a chip.

What underwriting actually looks at

Approvals on this asset class turn on a short list of specifics. Have these ready and most files get an answer inside 24-48 hours.

The supply agreement or PO backlog behind the purchase carries as much weight as the trailing P&L

Builder reputation and secondary-market depth — Haas, Mazak, DMG Mori, and Okuma finance more easily than niche imports

Whether tooling, workholding, probing, and integration are inside the financed package or paid separately

Lead time: machines with 6-9 month builds need progress-payment structures, not a single funding event

CNC & Machine Tools financing questions

Other equipment we place

Pre-owned & auction

Used Equipment

$25K – $4M

Print & converting

Printing & Packaging Equipment

$75K – $6M including install and integration

Material handling

Forklifts & Warehouse Equipment

$30K – $6M including racking and conveyor

Get cnc & machine tools financing priced

Send the unit, the invoice or auction lot, and three months of bank statements. Approvals typically come back in 24-48 hours and funding follows in 5-10 business days.

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