Manufacturing Equipment Finance
Invest in the machinery your business needs to grow. From CNC machines to complete production lines, we help Australian manufacturers finance equipment with competitive rates from 40+ lenders. Low doc and bad credit options available.
Fast approvals. Low doc options. Bad credit considered.
Finance Your Manufacturing Machinery
In manufacturing, the right equipment is everything. Whether you're upgrading your CNC capabilities, expanding production capacity, or investing in new technology, having access to modern machinery is essential for staying competitive.
At Your Lending Friend, we specialise in manufacturing equipment finance for Australian businesses. We work with lenders who understand manufacturing - including those offering low doc options for busy factory owners and specialist lenders who consider past credit issues.
Self-employed? ABN only? Bad credit? We have options for all situations.
Equipment We Finance
From precision machinery to complete production systems
CNC Machines
CNC lathes, milling machines, routers, and machining centres for precision work.
Mazak, DMG Mori, Haas, Fanuc, Okuma
Production Lines
Assembly lines, conveyor systems, and automated production equipment.
Automated assembly, packaging lines, bottling
Metal Fabrication
Press brakes, laser cutters, plasma cutters, and welding equipment.
Trumpf, Amada, Bystronic, Lincoln
Injection Moulding
Plastic injection moulding machines and tooling for manufacturing.
Arburg, Engel, Krauss Maffei, Husky
Printing & Packaging
Commercial printers, packaging machinery, and finishing equipment.
Heidelberg, Komori, HP Indigo
Material Handling
Forklifts, cranes, conveyors, and warehouse automation systems.
Toyota, Crown, Hyster, Dematic
Why Finance Manufacturing Equipment With Us?
We make getting your machinery simple
Scale Production
Finance new equipment to increase capacity without depleting working capital. Grow your manufacturing capabilities.
Stay Competitive
Access the latest technology and equipment. Modern machinery improves quality and efficiency.
Low Doc Options
Self-employed or prefer minimal paperwork? Low doc options available with just bank statements and BAS.
Bad Credit Considered
Past credit issues? We work with specialist lenders who focus on your business performance, not just your credit score.
Tax Benefits
Claim depreciation and potentially benefit from the instant asset write-off. Talk to your accountant about your options.
Fast Approvals
Many applications approved within 24-48 hours. Keep your production upgrade on schedule.
Manufacturing Equipment Finance Details
Flexible finance for your business
From single machines to complete production lines
Flexible terms to suit your cash flow and equipment life
Finance for new machinery or quality used equipment
How Manufacturing Equipment Finance Works
Getting approved for your equipment loan is straightforward
Tell Us What You Need
Share the equipment details - make, model, new or used, and price. We'll identify lenders who finance manufacturing equipment.
We Compare Lenders
Our specialists search 40+ lenders including those who specialise in manufacturing and industrial equipment finance.
Choose Your Structure
Chattel mortgage, finance lease, or hire purchase? We explain the tax implications and help you decide.
Get Your Equipment
Fast approval and straightforward settlement. Get your machinery installed and producing.
Checking your options won't affect your credit score
Finance Structures for Manufacturing
Choose the right structure for your tax situation and business needs
Chattel Mortgage
You own the equipment from day one. Claim full GST upfront on your next BAS. Popular with ABN holders.
Best for: Most manufacturing businesses
Finance Lease
Equipment stays off your balance sheet. Lease payments are tax deductible. Option to purchase at end of term.
Best for: Off-balance sheet financing
Hire Purchase
Simple structure with fixed payments. You own the equipment after the final payment. GST claimed over the loan term.
Best for: Straightforward ownership
Not sure which structure suits you? Talk to our team and we'll help you decide.
Manufacturing Equipment Finance FAQs
Common questions about financing manufacturing machinery
We finance virtually all manufacturing equipment including CNC machines (lathes, mills, routers), production line equipment, metal fabrication machinery (laser cutters, press brakes), injection moulding machines, printing and packaging equipment, material handling systems, and more. Both new and used equipment from dealers or private sales.
Manufacturing equipment loans typically range from $20,000 t...
Manufacturing equipment loans typically range from $20,000 to several million dollars, depending on the equipment value and your business financials. We can finance everything from a single CNC machine to complete production line upgrades.
Yes. We work with specialist lenders who understand manufact...
Yes. We work with specialist lenders who understand manufacturing businesses. If your business is generating revenue and has good cash flow, we can often find options even with past credit issues, defaults, or previous business difficulties.
Deposit requirements vary by lender and your situation. Many...
Deposit requirements vary by lender and your situation. Many lenders offer no-deposit or low-deposit options for strong applications. Having a 10-20% deposit can help secure better rates or approval with challenging credit.
Yes, we finance both new and used manufacturing equipment. M...
Yes, we finance both new and used manufacturing equipment. Most lenders will consider equipment up to 15-20 years old, though terms and rates may vary based on age, condition, and technology. Well-maintained quality brands often attract better terms.
For most manufacturing businesses, chattel mortgage is popul...
For most manufacturing businesses, chattel mortgage is popular as you own the equipment from day one and can claim GST upfront on your next BAS. Finance lease keeps the asset off your balance sheet. We recommend discussing with your accountant and our team to choose the right structure.
Equipment finance terms typically range from 2 to 7 years. C...
Equipment finance terms typically range from 2 to 7 years. Consider the expected useful life of the equipment when choosing your term. Shorter terms mean higher repayments but less interest. Longer terms improve cash flow.
Yes, we can often arrange finance for equipment imported fro...
Yes, we can often arrange finance for equipment imported from overseas manufacturers. There may be additional requirements around shipping and delivery timelines. Talk to us early in the process so we can coordinate with your import schedule.
Still have questions? Contact our friendly team