Machine shops run on precision equipment that costs a fortune and pays off only when it's running. Funding covers CNC machines, tooling, and the material you front on jobs before the invoice clears.
What machine shop owners use funding for
- CNC mills, lathes, and multi-axis machining centers
- Tooling, fixtures, and metrology equipment
- Raw metal stock fronted on custom jobs
- Facility power, air, and floor-space upgrades
- Working capital while job invoices are pending
How much can you borrow?
Machine shops typically borrow $25,000 to $750,000 — equipment financing for CNC machines and tooling, working capital and A/R financing to bridge job costs.
The cash-flow challenge for machine shop owners
A single machining center can cost as much as a house, and custom jobs mean fronting metal stock and skilled labor before net-30 or net-60 payment. Downtime on a key machine can stall an entire job queue.
Tip: Finance a new machine against the specific contracts it will run — predictable output makes the payment easier to justify.
Best financing options
CNC machines and tooling are classic equipment financing purchases. To bridge job invoices and material buys, A/R financing or a line of credit fits, with working capital for growth.
Before you sign any offer, run the numbers through our business loan & MCA calculator to see the real APR and total payback.
Fund your machine shop
CNC equipment, tooling, or job costs — financing built for precision work.
Check My Funding OptionsFrequently asked questions
How do machine shops finance CNC equipment?
CNC machines are financed as equipment over their useful life, with the machine as collateral, so payments track the revenue it produces.
Can I bridge net-60 payments on custom jobs?
Yes — A/R financing advances cash against the invoice so you can buy stock and pay machinists while waiting on the customer's terms.