Finance the equipment
that transforms ingredients.
Meat processing lines, beverage bottling, bakery ovens, dairy coolers, and specialty food production equipment. We finance food manufacturing with lenders who understand margin dynamics and equipment residual values.
Food production
equipment we specialize in.
Meat Processing Lines
Saws, grinders, tumblers, smokers, packaging systems. Butcher shops to mid-scale processors. $40K to $500K.
Bakery & Confectionery Equipment
Mixers, ovens, proofing cabinets, slicers, packaging. Artisan to commercial scale. $25K to $300K.
Beverage Bottling & Filling
Fillers, cappers, labelers, conveyors for water, juice, dairy, and specialty beverage. $50K to $800K.
Dairy & Refrigeration Systems
Bulk tank coolers, pasteurization units, yogurt lines, cheese-making equipment. Farm to production scale. $60K to $600K.
Dry Goods Processing
Grain mills, spice grinders, flour sifters, bagging and labeling systems. $30K to $250K.
Cooking & Kettle Systems
Tilting kettles, steam-jacketed kettles, batch cookers for jams, sauces, soups. Industrial to artisanal. $20K to $400K.
Food Freezing & Cold Chain
Blast freezers, spiral freezers, cold storage, IQF (individually quick frozen) systems. $50K to $1M.
Condiment & Sauce Lines
Cooking, blending, filling equipment for sauces, dressings, marinades, and prepared foods. $30K to $600K.
Artisan producers to regional food manufacturers, we structure deals for all scales. Transactions up to $5,000,000+. New, refurbished, and used equipment all eligible.
Food manufacturing has tight margins.
We build financing that fits.
Seasonal and growth-timed structures
Food production is seasonal (peaks in Q3/Q4) and tied to harvest cycles. We arrange payment plans that sync with your revenue — lower payments during slow months, step-up structures for growth phases.
Food equipment holds value
Commercial food processing equipment from top brands holds residual value well. We use that to negotiate better terms from lenders who understand food manufacturing as collateral.
Used and refurbished equipment
Upgrading to faster equipment or adding a second line? Used processors, coolers, and packaging gear from reliable manufacturers are excellent collateral. We work with lenders who know food-equipment residuals.
Multi-equipment bundling
Adding a complete processing line (cooker + filler + sealer + labeler) is structured more efficiently as a single package deal than separate financing — better rates, one payment.
Scale-up friendly
Growing from artisan to production scale? We structure financing that grows with you — expandable leases, upgrade paths, and bridge financing while you're building volume.
Soft inquiry first
We start with a soft inquiry to review your profile. A full credit review may be part of final approval once you move forward with a lender.
Simple application.
Fast decision.
Apply online in about four minutes. Equipment type, approximate cost, basic business info. We run a soft pre-qualification and return preliminary terms same day in most cases. A hard credit pull may be part of final approval.
With 50+ lender relationships, we find the right fit for your deal. Lease, $1 buyout, term loan, or sale-leaseback on equipment you already own. We match the structure to your cash-flow situation — including seasonal adjustments for food production cycles.
Terms up to 84 months. Decisions often within hours, not days.
Questions about financing food processing equipment? Talk to a specialist who knows the line, no call centers.
Food Processing Financing,
Answered.
Can I finance used food processing equipment?
Yes. Used processing equipment from reputable manufacturers (Hobart, Berkel, Vac-Star, Tetra Pak) is financeable with lenders who understand food production. Condition, sanitation certifications, and maintenance history matter. We route deals to lenders experienced with food-processing collateral.
How can I finance a complete processing line?
A complete line (cooker + filler + sealer + packaging system) is structured as a single equipment package with separate asset schedules if needed. This bundles faster and typically yields better rates than financing each piece separately. Equipment must be ordered together or we can bundle existing gear into a single lease.
Do you offer seasonal or deferred payment structures?
Yes. Food production is seasonal, and we work with lenders who offer deferred-start leases (payment begins after peak season ends), seasonal brackets (lower payments during slower months), and step-up schedules for growth phases. Discuss your cash-flow calendar upfront.
What if I need to upgrade equipment mid-lease?
Lease structures can be built with upgrade paths — allowing you to swap in newer equipment with lender approval. Some lenders offer trade-in provisions where you can upgrade to faster or higher-capacity gear. We build flexibility where possible; discuss your growth plans upfront.
Can I finance soft costs like installation or training?
Installation and setup are often bundled into the equipment cost (typically up to 15-20% of the equipment value). Training costs are generally not financed as they're operational expenses. We'll clarify exactly what can be included before you commit.
How does Section 179 work for food processing equipment?
Under a $1 buyout lease or Equipment Finance Agreement, the IRS treats the transaction as a purchase, allowing full Section 179 deductibility in the year placed in service. On a $200K processing line, that's potentially $56K+ in immediate tax savings while making lower monthly payments. Ask us about the structure that fits your tax situation and consult your CPA.
Related verticals
and manufacturing guides.
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Explore →Let's look at your
equipment deal.
No pressure. No promises on rates. Just an honest look at what we can structure, and whether it fits your food production operation.