CNC shops live and die by their machines — and the machines cost $50K-$500K each. Between spindle replacements, tooling costs, and the capital needed to take on larger contracts — machine shops need funding from lenders who understand precision manufacturing.
This Is Why You're Here
Your main CNC lathe is throwing tolerance errors. A new Haas VF-4 is $120K. Every job you reject because of machine capability costs you $5K-$15K in lost revenue.
You landed a $400K aerospace contract but need $95K in raw materials (titanium and Inconel) before the first article. The prime contractor pays net-60.
A competitor is closing and selling 3 CNC mills for $180K total — machines worth $400K. The auction is in 10 days. Your bank can’t move that fast.
Your spindle crashed mid-run on a $35K mold job. Replacement spindle is $18K with a 5-day lead time. Every day that machine sits idle, you’re losing $2,800 in booked work that’s now backing up your entire schedule.
You’ve been running 2 shifts but a medical device company wants to add you as a vendor — $600K/year in recurring work. You need a second VMC at $165K and two more machinists on payroll before the qualification audit in 6 weeks.
We landed a $380K aerospace contract but needed a new 5-axis mill to hold tolerance. Basecamp got us $275K in equipment financing in 4 days. That machine paid for itself in 9 months.
Greg M., CNC Shop Owner, Wichita, KS
CNC & Machining Financing
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
Built for Your Business
When your spindle is drifting and you're scrapping $800 blanks, waiting 3 weeks for bank approval isn't an option. We fund emergency repairs in 24-48 hours so your reject rate stays under control.
Carbide inserts, end mills, collets — tooling eats $3K-$8K a month on a busy shop floor. A credit line lets you stock up when prices dip instead of panic-buying at full markup.
Your aerospace prime pays net-60 but the titanium billet is due on delivery. We bridge that gap so you can take the $400K PO without draining your operating account.
A competitor closes and three Haas VF-4s hit auction at 40 cents on the dollar. Your bank needs 4 weeks. We can get you approved before the gavel drops.
What You're Up Against
| Challenge | What It Looks Like | Funding Solution | Amount | Speed |
|---|---|---|---|---|
| Tooling costs for complex jobs | Carbide end mills, custom fixtures, and specialty inserts for aerospace-grade work run $5K–$15K per job setup | Working Capital | $10K–$50K | 1–3 days |
| Material pre-buy for aerospace contracts | Titanium and Inconel billets must be purchased upfront — suppliers demand COD on exotic alloys for jobs paying net-60 | PO Financing | $50K–$500K | 3–7 days |
| 5-axis machine acquisition | Moving from 3-axis to 5-axis CNC opens $200K/month in turbine blade and structural component work but machines cost $250K–$500K | Equipment Financing | $250K–$500K | 3–10 days |
| Overtime payroll for rush orders | Rush aerospace jobs require 2nd and 3rd shift operators at 1.5x–2x pay — $15K–$30K in extra payroll before the invoice goes out | Working Capital | $15K–$75K | 1–2 days |
| QC equipment calibration and replacement | CMMs, surface profilometers, and gauge blocks need annual calibration ($8K) or replacement ($60K–$120K) to maintain AS9100 compliance | Equipment Financing | $10K–$120K | 3–10 days |
Pricing Transparency
| Product | Amount | Term | Rate | Speed |
|---|---|---|---|---|
| Working Capital | $10K–$2M | 3-18mo | 8-22% APR | 1-3 days |
| Equipment Financing | $10K–$5M | 2-10yr | 5-15% APR | 3-10 days |
| Invoice Factoring | $10K–$5M | Per invoice | 1-3% per 30 days | 1-2 days |
| Business LOC | $10K–$5M | Revolving | 8-24% APR | 1-5 days |
| SBA Loans | $50K–$5M | 10-25yr | 6-10% APR | 30-90 days |
Rates vary by credit, revenue, and time in business. These are typical ranges.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
| Equipment | Cost | Tax Rate | Deduction | Tax Savings | Net Cost |
|---|---|---|---|---|---|
| 5-Axis CNC Mill | $250,000 | 40% | $250,000 | $100,000 | $150,000 |
| Precision Surface Grinder | $85,000 | 35% | $85,000 | $29,750 | $55,250 |
| CMM Inspection System | $120,000 | 40% | $120,000 | $48,000 | $72,000 |
Finance the equipment. Keep your cash. Take the deduction. Your 5-axis cnc mill costs $150,000 after taxes and you never touched your reserves.
— Bobby Friel, Basecamp Funding - Founder
How It Works
No paperwork avalanche. No bank lobby. No guessing.
Answer a few quick questions about your business. No documents needed yet.
We check your options with zero impact on your FICO. Your score stays untouched.
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
Your funding specialist presents your best options. No spam calls. No runaround.
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
CNC & Machining Capital Uses
CNC machines, lathes, presses, conveyors, welders. Finance upgrades without draining cash reserves.
Steel, resin, lumber, components. Lock in bulk pricing and fill large orders without cash crunches.
New production lines, warehouse space, cold storage. Scale your footprint to match demand.
Skilled operators, engineers, floor supervisors. Staff up for large contracts and seasonal surges.
Robotics, ERP systems, IoT sensors, AI quality control. Invest in Industry 4.0 without cash strain.
Dual-source suppliers, safety stock, domestic reshoring. Protect against disruptions and tariff exposure.
Full Transparency
Most lenders won't tell you this upfront. We will.
Need commercial insurance for your cnc & machining business?
Commercial insurance is required for most equipment loans over $50K. InsuranceService365.com covers manufacturers across 29 states.
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
Click any specialty for tailored financing options.
Recommended Products
Fund raw materials and payroll before customer payment arrives.
Learn More →Finance CNC machines, presses, and production equipment — asset-backed.
Learn More →Convert net-30/60/90 invoices into same-day cash.
Learn More →Draw for materials and tooling as production orders fluctuate.
Learn More →FAQs
Look. A Haas VF-4 costs $120K. A 5-axis DMG runs $450K. And the spindle on your main lathe doesn't care that it's Friday afternoon — it fails when it fails. That's $800 an hour in lost production while your bank asks for three years of tax returns. We connect you with 70+ lenders who fund machine shops every day. Same-day approvals on $25K-$500K. Equipment financing where the machine itself is the collateral.
Here's the thing about CNC shops — your cash is never sitting in your account. It's in raw aluminum billets. It's in a half-finished aerospace bracket on the fourth axis. It's in a net-60 invoice from a prime contractor. That's not bad management. That's precision manufacturing. Our lenders get it. They look at your bank deposits, your POs, your production capacity. Not just a credit score. One 60-second application, no hard pull, and most shops hear back within hours.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide