Business finance for machinery

Funding options for machinery.

Machinery can face the cash-flow and asset decisions common in manufacturing, but the detail depends on how the business actually operates. Start with the funding purpose and the timing of receipts and expenses.

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How cash moves

Deposits for materials and machine upgrades may precede customer payment by weeks or months. Capacity, work in progress and debtor quality matter to the funding structure.

A practical situation

A fabricator buys a machine to fulfil larger orders but must also hold more steel and cover wages during production.

Illustrative only; no lender acceptance or credit approval is implied.

Common funding needs

Plant and machinery
Raw materials
Work in progress
Factory premises

Questions to prepare

Is demand backed by purchase orders or historical sales?
How long is production and customer payment?
Is the plant general purpose or highly specialised?

Relevant structures

Finance types to understand

These structures may address the needs above. The lender will assess the business, purpose, security and its own published or unpublished industry policy.

Equipment & Asset FinanceMachinery, tools, technology and business assets funded against the asset itself.Explore Working Capital FinanceLines of credit, revolving facilities and overdrafts to smooth day-to-day cash flow.Explore Invoice FinanceUnlock cash tied up in unpaid invoices instead of waiting 30, 60 or 90 days.Explore Trade FinancePay overseas and local suppliers now and repay once goods are sold.Explore Commercial Property FinanceBuy, build or refinance commercial, industrial and retail property.Explore

Compare published product details.

Use the marketplace to compare amounts, purposes, security and documentation. Industry selection alone does not establish eligibility.

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