Access capital to expand your machine shop capacity with competitive rates tailored for the metal fabrication industry.
Whether you are acquiring a new 5-axis CNC mill or upgrading your laser cutter capacity, our process focuses on your specific shop metrics. We work with established metal fabrication businesses across the U.S. that need to upgrade heavy machinery without draining operating cash flow. To qualify, you should have at least two years of operational history and a clear plan for how the new asset will increase your shop's throughput. Our underwriters review your equipment quote and shop revenue to provide a term sheet that fits your current repayment capacity, even if you are working with less-than-perfect credit.
In 2026, the Section 179 tax deduction remains one of the most effective ways for machine shops to lower their total cost of ownership. By financing your equipment rather than paying cash, you can often write off the full purchase price of qualifying machinery against your gross income. This allows you to bring in new technology immediately while deferring the tax burden. We help you structure your lease or loan agreements to ensure you stay compliant with current tax codes while maximizing the immediate financial benefit to your shop's bottom line.
Deciding between an equipment lease and a term loan depends entirely on your shop's growth stage and cash position. If you need to keep monthly overhead low while rotating through the latest automation technology, a lease with a fair market value buyout is often the preferred choice. If your goal is to own the asset outright for long-term production, our fixed-rate machinery loans offer predictable payments that never fluctuate with prime rate changes. We provide the data you need to compare total interest costs, depreciation schedules, and cash flow impact before you sign any contract.