A worker operating a lathe in a machine shop

Manufacturing and industrial equipment financing

CNC, fabrication, packaging and production-line equipment.

Estimate your paymentExample rate 9%

Equipment cost

$1,967/month over 48 months

CBL funds up to $1,000,000

Example only, not a quote. The lease example includes a 10% buyout at the end of the term. Your rate depends on credit, time in business and the equipment.

Continue to application

The short answer

CBL arranges financing for CNC machining centres, press brakes, lasers, welding and fabrication equipment, packaging lines and plant systems, new or used. It suits manufacturers and machine shops adding capacity for a new contract or replacing older machines. We can also arrange sale-leasebacks on equipment you already own, which frees up capital for the next expansion.

At a glance

CBL Financial is an equipment financing brokerage in Calgary, Alberta, that arranges manufacturing & industrial equipment financing for businesses across Canada. Funding goes up to $1,000,000, terms run 24 to 72 months, and approvals can come the same day for straightforward files.

Manufacturing & Industrial financing at a glance
What it is	Manufacturing & industrial equipment financing, arranged through a lender network
Funding	Up to $1,000,000
Terms	24 to 72 months
Approval time	Same day possible for straightforward files
Where	Businesses across Canada, from a head office in Calgary, AB
Equipment	CNC machining centres, Press brakes & lasers, Welding & fabrication, Packaging lines, Compressors & plant systems
Sellers	New or used, from a dealer, auction or private seller
Rate and down payment	Set by the lender for each file, based on credit, the asset and its age

When a new contract needs a machine you don’t have yet, saving up to pay cash for it can mean missing the work. We finance CNC, fabrication, packaging and processing equipment, new and used, with terms that let the machine pay for itself from the work it brings in. Sale-leasebacks on existing plant can free capital for expansion.

Manufacturing equipment financing

We arrange loans and leases for CNC machining centres, press brakes and lasers, welding and fabrication equipment, packaging lines, and compressors and plant systems. Equipment can be new or used, from a dealer, an auction or a private seller, and financing can be timed to the purchase order that justifies the machine. Funding goes up to $1,000,000, and terms run 24 to 72 months.

Fabrication and metalworking equipment financing

For fabrication and metalworking shops, we finance press brakes, lasers, welding equipment and CNC machining centres. Quality used machinery can cut project cost substantially, and we know the lenders who fund it. On a used machine, lenders weigh make, model, year, hours and condition. A machine with an active resale market is easier to finance than a custom-built one with a narrow secondary market, and specialized equipment may need a formal appraisal.

Industrial equipment financing: lease, loan or sale-leaseback

An equipment lease gives you the machine for a fixed monthly payment and keeps cash free for materials and payroll.
An equipment loan makes the machine yours from day one, and you build equity with every payment.
A sale-leaseback turns equipment you already own into working cash. You sell it to a financing company and lease it back right away, and it stays on your floor. See equipment refinancing.

Manufacturer loans for materials and receivables

When a contract needs materials bought before the customer pays, a working capital loan can cover the gap. It is sized on your revenue and needs monthly revenue over $15,000. If your customers pay on 30 to 60 day terms, invoice factoring turns those invoices into cash now.

What lenders look at on a manufacturing file

the machine: serial number, age, hours, condition and resale market
the contract or purchase order behind it
your recent business bank statements, time in business and credit

Startups and challenged credit are considered, usually with the equipment as security and a structure adjusted to the file.

Common equipment we finance

CNC machining centres
Press brakes & lasers
Welding & fabrication
Packaging lines
Compressors & plant systems

Built for your industry

How manufacturing & industrial financing works

Contract-driven speed
Financing timed to the purchase order that justifies the machine.
Used industrial expertise
Quality used machinery can cut project cost substantially, and we know the lenders who fund it.
Sale-leaseback ready
Turn equity in your plant floor into capital for the next expansion.

FAQ

Questions owners ask

Can I finance a used CNC machine from an auction or private seller?

Yes. Private sales and auction buys are considered, and the lender checks for liens, confirms the value and pays the seller. For a CNC machine or press brake, service records and an inspection by someone who knows that kind of machine make the file easier, and specialized equipment may need a formal appraisal.

Can I finance a machine for a new contract before the work pays?

Yes. Financing can be timed to the purchase order that justifies the machine, so the equipment is in place when the work starts. Send the purchase order or contract with your application, since it shows the lender where the payments will come from. Approvals can come the same day for straightforward files.

Can I keep using the equipment during a refinance?

Yes. A refinance or sale-leaseback is handled on paper, and the equipment stays in your operation throughout.

Is there an age limit on used equipment?

There is no single cutoff, but many lenders prefer that the equipment’s age plus the financing term stay within a set limit. Exceptions are common for well-maintained equipment with service records. Send us the details before ruling anything out.