Machinery & Manufacturing Equipment Finance Australia
Industries › Manufacturing Equipment Finance
Banks See an ABN.
We See a Production Line.
We See a Production Line.
CNC machines, forklifts, production lines, and factory fitouts — financed by a broker who speaks manufacturing, not banking.
$30K
to $2M+ deals
24hr
Indicative terms
Low Doc
& Full doc pathways
All-in-One
Machinery → Home loans
Switchboard Finance · Credit Representative 576702 · Finsure ACL 384704
Where are you?
Wherever you are in the manufacturing journey, we've been there with someone like you.
Tell us where your factory is at — we'll map the right structure from there.
Setting up your workshop.
First CNC, first forklift, first workshop fitout. Everything is new and the ABN is young. Banks won't look at you because you don't have two years of financials. But you've got contracts, cash flow through your bank account, and a plan. Low doc equipment finance using BAS and bank statements gets machines on the floor while you build your trading history.
Scaling production — adding capacity, upgrading lines.
Revenue is proving the model. You need a second CNC, a packaging line upgrade, or a compliance-driven equipment change. Specialist lenders assess the deal on the asset and your cash flow, not a rigid paper trail. We source lenders who understand manufacturing equipment valuations — a CNC machine is not a photocopier.
Managing cash flow — raw materials, payment terms, seasonal gaps.
Raw materials need paying before the customer pays you. 60–90 day payment terms. Seasonal demand that means December is flat-out and February is quiet. Invoice finance turns unpaid invoices into same-day cash. A business line of credit gives you a buffer without locking you into repayments you don't need in quiet months.
Going bigger — factory, property, home loan.
You're leasing the factory and it doesn't make sense anymore. Or you're ready for a second facility. Or you just want a home loan that doesn't punish you for being a manufacturer. Commercial property, One Doc home loans, everything connected — one broker, one conversation.
What are you financing?
Every machine has a different finance structure that works best.
The difference between chattel mortgage, lease, and rental can cost you thousands in tax. We map it before the paperwork starts.
CNC Machines
Routers, lathes, milling machines, plasma cutters. New, used, or imported. Specialist valuations for high-value machines — lenders who understand manufacturing residuals.
See finance options
Press Brakes & Sheet Metal
Guillotines, press brakes, bending machines. Structural steel to precision sheet metal. Instant asset write-off structures available.
See finance options
Welding & Laser Cutting
Welding systems, laser cutters, plasma tables. From workshop MIG setups to industrial fibre lasers. Finance matched to the asset value and your tax position.
See finance options
Injection Moulding & Plastics
Injection moulders, blow moulders, extruders. High-value specialist assets ($200K–$1M+). We work with lenders who understand plastics equipment residual values.
See finance options
Packaging & Bottling Lines
Packaging machines, labelling systems, bottling lines. Compliance-driven upgrades financed without full financials. Food-safe and pharma-grade lines included.
See finance options
Food Processing Equipment
Production lines, cold storage, commercial processing. Factory scale, not café. Council compliance upgrades, seasonal scaling, HACCP-driven equipment.
See finance options
Forklifts & Materials Handling
Forklifts, pallet jacks, reach stackers, conveyor systems. Counter-balance to container handlers. Common deal: 5-year chattel mortgage, low doc, settled in days.
See finance options
Compressors & Power
Air compressors, generators, dust extraction, spray booths. Factory infrastructure often bundled with equipment upgrades for a single finance package.
See finance options
3D Printing & Advanced Manufacturing
Industrial 3D printers, laser sintering, additive manufacturing. Emerging asset class — we work with lenders comfortable financing newer technology.
See finance options
Machinery finance calculator
Run the numbers before the conversation.
Indicative figures only. Your actual quote depends on the asset, your situation, and lender appetite.
Machine value$150,000
Deposit$15,000 (10%)
Loan term
Structure
Indicative estimate
Est. monthly
$2,670
Total cost
$160,216
Financed
$135,000
Tax structure
GST claimable ✓
Indicative only — based on standard rate assumptions. Actual terms on enquiry. No credit check at this stage.
Get an indicative quote →
No credit check · No obligation · We respond same day
Beyond machinery
Manufacturing businesses don't just need machines.
One conversation covers everything. That's the point of Switchboard.
🚛
Vehicle finance
Delivery vans, trucks, utes for site work and distribution. Registered vehicles through dedicated vehicle finance pathways.
🏢
Commercial property
Buy the factory or warehouse you currently lease. Low doc pathways, up to 80% LVR through specialist lenders.
🔐
Private lending
Own property? Unlock equity fast for equipment upgrades or working capital. Includes second mortgage options when banks are too slow.
💰
Working capital
Raw materials, inventory, contract mobilisation. Unsecured business loans to bridge cash flow gaps between orders.
🔄
Business line of credit
Revolving facility for ongoing cash flow needs. Draw when you need it, repay when you can. Better than a fixed loan for seasonal manufacturers.
📄
Invoice finance
30–90 day payment terms killing your cash flow? Turn unpaid invoices into same-day cash without waiting for customers to pay.
Your home loan too
Already sorted your machinery? There's one more thing the bank won't help with.
Most equipment brokers only handle machinery. Most mortgage brokers don't understand manufacturing income. We do both.
One Doc Home Loan
Use your most recent BAS instead of two years of tax returns. Same houses, same rates — different documentation pathway. For manufacturers with trusts, company distributions, or complex structures, alt doc verification pathways are also available.
37+
articles for manufacturing businesses
Dandenong South & South-East Manufacturer Equipment Finance (2026)
Manufacturing Equipment: Lease vs Rental vs Chattel Mortgage vs CHP
Manufacturer Sale & Leaseback: Unlock Working Capital from Plant
One Doc Home Loan for Manufacturers Using Retained Earnings
Latest reads
Is this for you?
Built for manufacturing. Not adapted from a template.
Stronger fit
Metal fabricators$50K–$500K
Structural steel, handrails, custom metalwork. CNC plasma, press brakes, welding bays.
Food manufacturers$100K–$1M
Sauces, snacks, packaged foods. Production lines, packaging, cold storage. Compliance upgrades.
Plastics & injection moulding$200K–$1M+
Injection moulders, extruders, blow moulders. High-value specialist machines.
Workshop owners$30K–$300K
CNC routers, lathes, forklifts, compressors. Adding capacity or replacing aging equipment.
Large manufacturers$500K+
Multi-entity businesses with equipment, property, vehicle, and personal finance needs.
Probably not the right fit
× Running a commercial kitchen or café — see Café Finance Hub
× PAYG employee buying investment property — residential mortgage broker territory
× General trades (electricians, plumbers) — see Tradie Finance Hub
× Construction and civil contractors — see Construction & Builder Finance Hub
Real deals
Deals we structure every week.
Click to see how each deal unfolded.
🔧
Dave — CNC plasma cutter for a fabrication shop
Equipment · Fabrication · Low doc
Dave runs a structural steel fabrication shop in Melbourne's north. Won a string of commercial handrail contracts and needs a CNC plasma cutting table to handle the volume. Bank wanted full company financials — Dave operates through a family trust and last year's returns aren't lodged. We structured a low doc chattel mortgage through a specialist lender using 6 months of bank statements and recent BAS.
EnquiryLender matchedApprovedSettled — Day 5
📦
Lisa — Packaging line upgrade for food manufacturer
Equipment · Food manufacturing · Compliance
Lisa's food manufacturing business makes sauces and condiments sold through Woolworths. Council audit flagged the packaging line as non-compliant. She needs $280K in new equipment — fast. Revenue is strong but seasonal (70% of sales in Oct–Dec). We matched Lisa with a lender comfortable with seasonal food manufacturing cash flow and structured a balloon payment to keep monthly repayments manageable during quiet months.
EnquirySpecialist matchedApprovedSettled — Day 8
💉
Raj — Replacing an aging injection moulder
Equipment · Plastics · Specialist valuation
Raj runs an injection moulding operation making plastic components for automotive. His main moulder is 15 years old and costing $8K/month in maintenance. Replacement: $650K. Banks wouldn't lend against it without a specialist valuation — and didn't know how to order one. We sourced a lender with injection moulding experience, arranged the specialist valuation, and structured a 7-year chattel mortgage.
EnquiryValuation arrangedApprovedSettled — 2 weeks
Common questions
Manufacturing finance FAQs.
Most manufacturers use a combination of equipment and machinery finance (CNC machines, forklifts, production lines), vehicle finance (delivery trucks, vans), working capital for raw materials and inventory, and sometimes commercial property loans for the factory or warehouse. The right broker covers all of these — not just one product.
Yes. Low doc machinery finance uses BAS, bank statements, or an accountant letter instead of full tax returns. Specialist lenders can approve and settle in days for standard equipment. ABN 12+ months and GST registration are the main requirements.
Lenders use specialist valuers who understand manufacturing equipment residual values. A CNC machine, injection moulder, or laser cutter is valued differently from generic office equipment. We work with lenders who use manufacturing-specialist valuers. A better valuation means a higher loan amount and better terms.
Banks require full financials, have slower approval times (2–6 weeks), and often don't understand specialist equipment valuations. Specialist non-bank lenders assess the deal on the asset value, your cash flow, and time trading. Faster approvals, more flexible documentation, and manufacturing-friendly policies.
Yes. One Doc home loans let self-employed manufacturers use their most recent BAS instead of two years of tax returns. If your income is strong but your paperwork doesn't fit the bank's box — there are pathways designed specifically for business owner income.
Almost any manufacturing asset: CNC machines, injection moulding machines, press brakes, guillotines, laser cutters, welding systems, forklifts, conveyor systems, packaging machines, compressors, generators, 3D printers, and factory fitout. New, used, imported, and private sale.
Low doc equipment finance through specialist lenders can be approved and settled in 2–5 days from complete submission. Higher-value specialist equipment may take 1–2 weeks due to specialist valuations. The biggest factor in speed is having clean bank statements and current BAS ready.
That's exactly what Switchboard is built for. One broker conversation covers machinery finance, vehicle finance, commercial property, working capital, and home loans. We map everything together so the structures don't conflict and your borrowing capacity is optimised across all facilities.
Ready to go?
One broker. Every type of manufacturing finance.
Whether you need a CNC machine this week or a factory purchase this quarter — start here.
Low Doc Asset FinanceVehicle FinanceCommercial PropertyPrivate LendingBusiness LoansLine of CreditInvoice FinanceOne Doc Home LoansGlossary
FBAA Accredited · CRN 576702 · ABN 29 691 892 289 · Melbourne — lending Australia-wide · No credit check to enquire