Sector — Manufacturing
Fund your next machine. From CNC lathes and laser cutters to full production lines — specialist lenders, no upfront broker fee.
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Australian manufacturing is evolving — higher precision, more automation, smarter production. Whether you’re a sheet metal fabricator in Wetherill Park, a food manufacturer in Brendale, a precision engineering shop in Dandenong, or a timber processor in the Hunter Valley, the common thread is that competitive manufacturing requires capital investment in equipment.
Equipment finance lets you acquire the machinery your operation needs without draining the cash reserves you rely on for materials, wages, and working capital. For a detailed overview of how equipment finance works, structures, and rates across all industries, see our complete equipment finance guide.
This page focuses specifically on what manufacturers need to know.
CNC and precision machinery: CNC lathes, milling machines, machining centres, grinding machines, EDM machines. Brands with strong resale markets (Mazak, DMG Mori, Haas, Okuma, Doosan) attract the most competitive rates. Machinery finance — detailed guide →
Metal fabrication: Laser cutters, plasma cutters, press brakes, guillotines, punching machines, welding equipment. Trumpf, Amada, Bystronic, and ESAB equipment is well-understood by specialist lenders.
Printing and packaging: Digital and offset printing presses, packaging lines, labelling machines, die cutters, binding equipment.
Food and beverage processing: Commercial ovens, mixers, bottling lines, pasteurisers, cold rooms, commercial kitchens, packaging equipment.
Woodworking and timber: CNC routers, panel saws, edge banders, planers, dust extraction systems.
Plastics and composites: Injection moulding machines, extruders, thermoforming equipment, 3D printers.
Automation and robotics: Robotic arms, conveyor systems, PLC-controlled production lines, automated assembly cells.
General industrial: Compressors, generators, forklifts, workshop equipment, material handling systems.
This is the single most important point for manufacturers seeking finance — and it’s covered in depth in our machinery finance guide. The short version:
A $200,000 Mazak CNC lathe has a well-established secondary market. Specialist lenders who finance manufacturing equipment regularly understand this and price accordingly — often 6%–8% p.a. for established businesses with clean credit.
A generalist lender whose credit team mainly assesses vehicles may classify the same machine as “specialist industrial equipment” and quote 9%–11% because their risk model doesn’t account for the strong resale market.
The cost of wrong lender selection
That 3% gap on $200,000 over 5 years is approximately $17,000 in extra interest. Same machine, same business, different lender — dramatically different cost. A broker who knows the manufacturing lending landscape routes your application to the right specialist.
Manufacturing investments often involve multiple machines — a production line might include a laser cutter, a press brake, and a bending machine. Or a workshop expansion might require a CNC lathe, a milling machine, and an extraction system.
Consolidating these into a single finance package can offer advantages: one set of establishment fees, simplified administration, and potentially volume-based pricing. Some lenders also finance ancillary costs (installation, commissioning, factory modifications) as part of the equipment finance package — but not all do. Your broker can identify which lenders offer all-inclusive financing.
This example illustrates how manufacturing equipment finance can work in practice. Individual outcomes depend on your specific circumstances.
J.R., Auburn, NSW — Precision engineering workshop, 11 years trading
Financing a new Haas ST-30Y CNC lathe ($185,000) to add turning capacity alongside his existing milling machines. Clean credit, strong financials. His bank quoted 8.9% on a standard business loan — their credit team didn’t distinguish between a Haas CNC and any other piece of industrial equipment. We matched him to a specialist lender who understood the Haas brand’s resale position. Approved at 6.7% p.a. chattel mortgage over 5 years. The rate difference saved approximately $10,500 in interest over the term.
Individual circumstances vary. Outcomes depend on lender assessment and are not guaranteed.
Novara Finance works with fabricators, precision engineers, food producers, printers, and industrial manufacturers across Australia. We match your specific machinery to the lender best positioned for that asset class.
Talk to the team — no cost, no obligation.
This article contains general information only and has been prepared without taking into account your objectives, financial situation, or needs. You should consider whether the information is appropriate for your circumstances before acting on it. Consider seeking independent financial, tax, or legal advice. All finance applications are subject to lender criteria and approval. Rates mentioned are indicative and current as of June 2026 — individual circumstances vary. Past examples are illustrative only and do not guarantee any particular outcome.
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Last updated: June 2026 · Reviewed by Chris Rowlands, Head of Special Projects, Novara Finance