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Equipment financing for manufacturing & distribution

A loan to buy equipment, secured by the equipment itself. Manufacturers use Credible Lending equipment financing to buy a CNC or production line or fund raw materials for a large PO, with matched to the equipment's useful life and same-day decisions.

Apply nowAbout equipment financing
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Equipment financing for manufacturers
AmountUp to 100% of equipment cost
TermMatched to the equipment's useful life
SpeedSame-day decisions
PaymentsMonthly
Best forMedical, manufacturing, construction and technology equipment

Common uses in manufacturing & distribution

  • Buy a CNC or production line
  • Fund raw materials for a large PO
  • Expand warehouse space
  • Smooth net-90 receivables

Why manufacturers choose equipment financing

Big orders need cash first

Raw materials and labor come due long before the purchase order pays out.

Machines drive margin

A faster line or new CNC lowers cost per unit for years.

Terms are long

Net-60 and net-90 customers tie up cash that invoice financing can release.

How does equipment financing work?

  1. 1

    Share the quote or invoice from your vendor, new or used.

  2. 2

    We confirm the equipment's value and structure a term around its useful life.

  3. 3

    Funds go to the vendor or to you, depending on how you're buying.

  4. 4

    The equipment works for your business while you pay it down.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Other funding for manufacturers

Questions, answered

Something else on your mind? Ask an advisor.

Can manufacturers qualify for equipment financing?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review manufacturing & distribution financials with the industry's cash-flow patterns in mind.
Do I need a down payment for equipment financing?
Often not. Many approvals cover up to the full cost of the equipment, depending on your credit profile and the asset.
Can I finance used equipment?
Yes. We finance new and used equipment from dealers, manufacturers and private sellers, subject to valuation.
Can I finance machinery and working capital together?
Many manufacturers pair equipment financing for the machine with a line of credit for materials and payroll.

Ready when your business is.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor