By Mark J. Kane | Founder & CEO, Sunwise Capital | Forbes Finance Council Member 30+ years in business finance · 86,000+ businesses trust us · Boca Raton, FL Key Takeaways Equipment financing for manufacturing companies uses the machinery itself as collateral — no real estate pledge, no down payment required for established operators. CNC machines, injection molding equipment, industrial presses, conveyor systems, forklifts, and full production line buildouts all qualify — new and certified-refurbished equipment both eligible. Sunwise Capital, a NEFA member, finances manufacturing equipment from $10,000 to $30 million with approval in minutes and funding in as little as one to two business days. Manufacturers with 2+ years of operation, $15,000+/month in revenue, and 580+ credit score qualify — the best rates and highest amounts go to operators doing $750K+ annually with 680+ credit score. Manufacturing equipment is not a discretionary purchase. When a CNC machine reaches end of life, when a press capacity limit becomes the ceiling on new contracts, when a customer’s order volume requires a second production line — the decision isn’t whether to acquire the equipment. It’s how to finance it without hollowing out the working capital that keeps the floor running. Equipment financing for manufacturing companies resolves that tension by structure. The equipment is the collateral. No real estate, no existing machinery, no personal property pledged beyond the asset being acquired. The production line secures its own financing and earns back the repayment through the revenue it generates. According to Federal Reserve financial accounts data, manufacturing is one of the highest-capital-intensity sectors in the small business economy — and one where the gap between production capacity and accessible financing has historically been widest. Table of Contents Toggle Why equipment financing fits manufacturing better than general lendingWhat manufacturing equipment qualifiesFinancing options for manufacturing equipmentFind out what your business qualifies for.How to qualify for manufacturing equipment financingFrequently asked questionsWhat types of manufacturing equipment can be financed?Do I need to put money down on manufacturing equipment?How long does it take to get approved for manufacturing equipment financing?Can I finance used or refurbished manufacturing equipment?Can I finance an entire production line, not just one machine?What's the typical term length for manufacturing equipment financing?Is a personal guarantee required?The bottom lineYour business qualified for capital. Find out how much.About the Author Why equipment financing fits manufacturing better than general lending A working capital loan gives a manufacturer a lump sum it can use for any purpose — but charges interest from day one on the full amount, and typically runs 3–24 months. For a CNC machine with a 10-year productive life, that structure mismatches the asset’s value and useful life against the financing term. “Equipment is one of the smartest ways to deploy borrowed capital because the asset itself generates the revenue to repay the loan. We can structure equipment deals up to $30 million for companies across construction, healthcare, and transportation — often with no down payment required.” Equipment financing terms of 12–72 months match the asset’s productive life against the repayment schedule. The machine runs, produces, generates revenue, and services its own debt. Mark J. Kane, Founder & CEO of Sunwise Capital and Forbes Finance Council member, has structured manufacturing equipment deals across metal fabrication, plastics, food processing, electronics assembly, woodworking, and industrial packaging — since 2010, across 86,000+ businesses funded by Sunwise Capital as a NEFA member. What manufacturing equipment qualifies CNC machining centers, lathes and mills, injection molding and blow molding equipment, industrial presses and stamping machines, conveyor and material handling systems, forklifts and warehouse equipment, laser cutting and welding systems, industrial ovens and furnaces, packaging and labeling equipment, quality control and inspection systems, 3D printing and additive manufacturing equipment, and full production line buildouts. New and certified-refurbished equipment both qualify. Financing options for manufacturing equipment Need Best Product Amount Speed Specific machine purchase Equipment Financing Up to $30M 1–2 business days Production line buildout Equipment Financing Up to $30M 1–2 business days Material and inventory gap Working Capital Loan Up to $2M Same day (4 hrs) Recurring operational gaps Line of Credit Up to $2M Same-day draws Sunwise Capital Find out what your business qualifies for. No commitment. No impact to your credit score until you accept an offer. See My Funding Options → Soft check only · 2 minutes · No obligation How to qualify for manufacturing equipment financing Factor Minimum Sweet Spot Time in Business 2 years 5+ years Monthly Revenue $15,000/month $60,000+/month Credit Score 580 680+ Down Payment None required None required Equipment Amount $10,000 Up to $30 million Apply at Sunwise Capital’s funding qualifier — 2 minutes, 3 months of bank statements, vendor quote. Approval in minutes. Funding in one to two business days. According to NFIB economic survey data, capital equipment access is consistently among the top growth constraints for small manufacturers — and specialty equipment financing is the structure most aligned with how manufacturing companies actually deploy and recover capital. Equipment financing lets manufacturing companies acquire CNC machines, presses, and production lines without pledging real estate or depleting working capital. Frequently asked questions What types of manufacturing equipment can be financed? Any commercially available production or industrial equipment: CNC machining centers, injection molding equipment, industrial presses, conveyor systems, forklifts, laser cutting systems, packaging equipment, quality inspection systems, and full production line buildouts. New and certified-refurbished both qualify. Do I need to put money down on manufacturing equipment? No. Sunwise Capital structures manufacturing equipment financing with no down payment required. The equipment itself is the collateral — no real estate pledge, no external security deposit. Some transactions may require the first payment at closing, but no traditional down payment. How long does it take to get approved for manufacturing equipment financing? Approval decisions are delivered in minutes at Sunwise Capital. Funding follows in one to two business days after a complete application — three months of bank statements and a vendor quote or invoice. For manufacturers that also need working capital, same-day funding is available separately in as little as 4 hours. Can I finance used or refurbished manufacturing equipment? Yes. Certified-refurbished CNC machines, industrial presses, and other manufacturing equipment qualify. The equipment must be in working condition and documented with a vendor invoice or bill of sale. Refurbished industrial equipment often carries 40–60% discounts from new pricing — a significant capital efficiency opportunity. Can I finance an entire production line, not just one machine? Yes. Sunwise Capital structures equipment financing for complete production line buildouts — multiple machines, conveyor systems, material handling, and supporting equipment — as a single facility up to $30 million. The same no-down-payment structure applies. What’s the typical term length for manufacturing equipment financing? Terms run 12–72 months depending on equipment type, amount, and useful life. A CNC machining center with a 10-year productive life typically qualifies for a 60-month term. Shorter-lived equipment (tooling, certain inspection systems) may carry shorter terms. Sunwise Capital structures terms to align with the equipment’s revenue-generating life. Is a personal guarantee required? A personal guarantee is standard across equipment financing structures, including at Sunwise Capital. It does not require pledging personal real estate — it’s a general guarantee of performance on the equipment financing obligation. The bottom line Manufacturing capacity is revenue capacity. When the equipment ceiling limits what can be produced, accepted, or delivered, the constraint isn’t operational — it’s financial. Equipment financing removes it by letting the machine fund itself through what it produces. Since 2010, Mark J. Kane and the Sunwise Capital team have helped over 86,000 businesses access equipment financing — including manufacturers across metal fabrication, plastics, food processing, electronics assembly, and industrial packaging. NEFA member. Up to $30 million. No down payment. Approval in minutes. See your funding options in 2 minutes — no commitment, no hard credit pull. What business owners say about Sunwise Capital Trustpilot Find. Fund. Fuel. Your business qualified for capital.Find out how much. See your funding options in 2 minutes. No commitment. No impact to your credit until you accept an offer. Since 2010, over 86,000 businesses have trusted Sunwise Capital. See My Funding Options → ⭐ 4.9/5 Trustpilot · Forbes Finance Council Member · NEFA & AACFB Member · Funding in as little as 4 hours About the Author Mark J. Kane is the Founder and CEO of Sunwise Capital, a small business lending company based in Boca Raton, Florida. With more than 30 years of experience in business finance and executive leadership, Mark has helped business owners access the capital they need to grow, adapt, and compete. Before founding Sunwise Capital, Mark held senior leadership roles across capital markets, securities, healthcare, and internet finance. His background includes building high-growth financial platforms, expanding investment banking operations nationwide, training thousands of sales professionals, and scaling ventures from startup stage to multimillion-dollar revenue. Mark holds a B.S. in Psychology from the University of Massachusetts Amherst and a Master’s Degree from the University of Chicago. Through Sunwise Capital, Mark and his team have helped more than 86,000 businesses pursue funding solutions designed to support growth, cash flow, equipment purchases, and long-term success. Ready to apply? See your funding options in minutes at Sunwise Capital.
