This Is Why You're Here
Why CNC & Machinings Come to Us Instead of Their Bank
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
Get Your CNC & Machining Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why CNC & Machining Businesses Choose Basecamp
We Know Tolerance Costs Money
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.
Tooling Budgets That Actually Work
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.
We Fund Around Net-60 Contracts
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.
Auction Opportunities Don't Wait for Banks
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.
Bobby's Take
Bobby's Playbook for CNC & Machining
Most CNC and machining shop owners walk into a bank and get steered toward general commercial real estate financing or generic equipment loans. What banks miss is that a $250K Haas vertical machining center plus material-and-tooling working capital plus facility expansion usually needs three different products from three specialists, not one generalist loan. Capital stacking changes the math. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a CNC and machining transaction closes: machine spindle utilization, your customer concentration (top three OEM accounts), and the resale value of the iron. Not your personal FICO. Not your time in business. Specialist CNC lenders care about whether your monthly contract revenue supports a $4,000-$7,000/month payment over 5-7 years — and whether the Haas, Mazak, or Doosan you're financing has the resale market to underwrite the loan against the asset.
The biggest mistake CNC and machining operators make: applying without showing forward backlog. Lenders see trailing 4 months of statements and underwrite to that, missing the $300K of signed work-orders sitting in the queue. The fix: include a one-page backlog summary showing booked work for the next 90-120 days. Specialist CNC lenders price contracted backlog as recurring revenue. Generalist lenders only see what already cleared the bank.
of signed work-orders queued in the backlog banks won't credit
Where this gets interesting at scale: a CNC shop adding a second machine, a 5-axis upgrade, or a second-shift capacity expansion doesn't need ONE loan. They need equipment financing for the new spindle + a working capital line for raw-material inventory and overtime payroll + invoice factoring on the longer-paying OEM accounts + sometimes a SBA 504 for a building purchase. Four products, multiple lenders, one application — that's how 3-machine shops scale to 8-machine operations without bleeding cash on raw material floats.
The CNC and machining operators who scale fastest aren't the ones who waited for the OEM to give them a long-term contract before adding capacity. They're the ones who had spindle capacity ready when an OEM asked for additional volume mid-quarter. Turning down a $400K-per-year OEM expansion because you can't add a spindle is the contract going to a competitor. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your CNC and machining business this week.
Bottom line:
CNC shops get underwritten on trailing four months when $300K of signed work-orders sit in the queue. Show the backlog summary — that's how a specialist prices contracted forward revenue.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges CNC & Machinings Face
Pricing Transparency
What CNC & Machining Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
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
Section 179 Breakdown for CNC & Machinings
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
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your shop, what you produce, and monthly revenue. No P&L upload yet.
Soft Credit Screen
We screen options with no impact on your FICO or your supplier credit lines.
Manufacturing-Specialty Lenders Compete
70+ lenders who fund CNC shops, fabricators, and assemblers review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and PO/invoice structures.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to keep production on schedule and POs flowing.
CNC & Machining Capital Uses
What CNC & Machining Businesses Use Funding For
Equipment & Machinery
CNC machines, lathes, presses, conveyors, welders. Finance upgrades without draining cash reserves.
Raw Materials & Inventory
Steel, resin, lumber, components. Lock in bulk pricing and fill large orders without cash crunches.
Facility Expansion
New production lines, warehouse space, cold storage. Scale your footprint to match demand.
Workforce & Hiring
Skilled operators, engineers, floor supervisors. Staff up for large contracts and seasonal surges.
Technology & Automation
Robotics, ERP systems, IoT sensors, AI quality control. Invest in Industry 4.0 without cash strain.
Supply Chain Resilience
Dual-source suppliers, safety stock, domestic reshoring. Protect against disruptions and tariff exposure.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
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.
Don't Wait Until You Need Funding to Get Funded
Manufacturing revenue is concentrated — a few large customers, net-30/60 terms, raw materials due upfront. The shops that scale steadily funded equipment and working capital BEFORE the big PO landed. By the time you're scrambling for a $200K CNC down payment, the customer is already shopping a competitor. Pre-qualify when production is steady.
Ready?
See What Your CNC & Machining Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Manufacturers Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for CNC & Machining Businesses
Working Capital
Fund raw materials and payroll before customer payment arrives.
Learn More →Equipment Financing
Finance CNC machines, presses, and production equipment — asset-backed.
Learn More →Invoice Factoring
Convert net-30/60/90 invoices into same-day cash.
Learn More →Business Line of Credit
Draw for materials and tooling as production orders fluctuate.
Learn More →FAQs
CNC & Machining Business Loan FAQs
CNC Machine Shop Loans & Machining Business Financing — $10K to $20M+
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.
Stop Letting Raw Material Costs Outpace Customer Payments. Get Your CNC & Machining Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide