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Manufacturing

Business Loans for Manufacturing

Finance your manufacturing equipment, expansion, and working capital with loans designed for Australian manufacturers. Competitive rates and flexible structures.

Loans from $20K to $5M, over 12 to 84 months, depending on the lender and the security.

Manufacturing business loans at a glance
  • Loan amounts from $20K to $5M
  • Terms from 12 to 84 months
  • Secured and unsecured options, matched to the security you have
  • A licensed broker who compares lenders for manufacturing
  • No obligation to proceed with any offer

Common financing needs: Manufacturing

The things businesses in this sector most often finance:

CNC machines and production equipment
Factory expansion and fitout
Raw material and supply chain funding
Technology and automation upgrades
Export and international trade finance

Manufacturing business loan features

Loans from $20,000 to $5,000,000
Production equipment and machinery finance
Factory expansion and fitout funding
Supply chain and raw material facilities
Export and trade finance available
Flexible terms up to 7 years on equipment

How businesses in this sector use finance

Upgrade Production

Finance CNC machines, production lines, and automation equipment to increase output, improve quality, and reduce per-unit costs.

Scale Operations

Fund factory expansion, additional production capacity, and new facilities to meet growing demand and take on larger contracts.

Supply Chain Finance

Access working capital to purchase raw materials in bulk, negotiate better supplier terms, and maintain production schedules.

Long-Term Asset Finance

Spread the cost of expensive machinery over its productive life with terms up to 7 years, preserving your working capital.

Lending challenges for this sector

Lenders that specialise in the sector can work with situations like these, which is where a broker's knowledge of each lender's appetite matters:

High capital costs for machinery and equipment
Long lead times between production and payment
Raw material price volatility affecting margins

How to get a business loan for manufacturing

1

Tell us your needs

Share what the finance is for, how much you need and how long you have been trading.

2

A broker compares lenders

A licensed business finance broker compares lenders on their panel for manufacturing.

3

Compare your options

Review the offers and choose the one that fits.

4

Settlement

The lender settles the loan and releases the funds.

Manufacturing business loan FAQs

What manufacturing equipment can be financed?
Virtually all manufacturing equipment qualifies for finance including CNC machines, lathes, presses, production lines, packaging equipment, forklifts, compressors, and factory fit-outs. Both new and used equipment can be financed.
How much can a manufacturing business borrow?
Manufacturing businesses can typically access from $20,000 to $5,000,000 or more. Equipment finance is often available up to 100% of the asset value. Working capital facilities depend on your revenue, trading history, and financial position.
Can I get finance for factory expansion?
Yes. Factory expansion finance can cover construction, equipment, fitout, and working capital needed for the expansion. Lenders assess the projected revenue increase and your ability to service the additional debt.
What is trade finance for manufacturers?
Trade finance helps manufacturers fund the gap between purchasing raw materials and receiving payment for finished goods. It can include letters of credit, import finance, and supply chain facilities, particularly useful for manufacturers dealing with international suppliers.
Do you finance automation and robotics?
Yes. Automation equipment, robotics, and Industry 4.0 technology are all financeable. Lenders view these investments favourably as they typically improve productivity and reduce operating costs.
How are manufacturing loan repayments structured?
Repayments can be structured as fixed monthly payments, seasonal schedules aligned with production cycles, or with balloon payments to reduce monthly costs. Equipment finance is typically structured over the useful life of the asset.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are calculated on a secured loan of $150,000 over 25 years for home loans, a loan of $30,000 over 5 years for car and personal loans, and $50,000 over 5 years for equipment finance, unless the lender states another basis.

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