Finance any CNC machining center, lathe, or turning center — new or used — from $25,000 to $2 million. Keep your working capital intact. Get a credit decision in 24 hours.
CNC machines represent some of the largest single capital expenditures in manufacturing. Understanding the real cost of the equipment you need is the starting point for any financing conversation. Here is a detailed breakdown of current market pricing for the most common CNC machine categories:
Most popular CNC brand in North America. Made in Oxnard, CA. Excellent dealer network and service support.
Yamazaki Mazak — Japanese precision manufacturer. Florence, KY headquarters. Strong multi-tasking machine lineup.
German-Japanese joint venture. Premium engineering, high accuracy, strong in aerospace and medical machining.
Okuma (Japan) — known for thermal stability and reliability. Fanuc, Hurco, Doosan, and Makino round out the major CNC landscape.
These estimated monthly payments are based on 100% financing at illustrative annual rates. Actual rates depend on your credit profile and time in business.
| Machine | Price | 48-Mo @ 12% | 60-Mo @ 12% | 36-Mo @ 18% |
|---|---|---|---|---|
| Haas Mini Mill 2 | $65,000 | $1,712 | $1,446 | $2,351 |
| Haas VF-2SS | $110,000 | $2,897 | $2,447 | $3,978 |
| Haas UMC-750 (5-Axis) | $220,000 | $5,793 | $4,894 | $7,956 |
| Mazak Variaxis i-500 | $330,000 | $8,690 | $7,341 | $11,934 |
| DMG Mori DMU 50 | $380,000 | $10,010 | $8,453 | $13,743 |
| Hurco VM10i (entry) | $80,000 | $2,108 | $1,780 | $2,894 |
A Haas VF-4 CNC vertical machining center running two 8-hour shifts can produce 500–800 billable hours per month. At a shop rate of $95–$120 per hour, that machine generates $47,500–$96,000 in monthly revenue potential. The machine pays for its own financing in the first two to four months of full production.
Paying $150,000 cash for that machine instead of financing it does not save you the machine's production value — it costs you the $150,000 in liquidity you could have deployed elsewhere. That cash could have funded:
Equipment financing is not a concession — it is a capital efficiency strategy. For a complete look at how this works across your full manufacturing operation, see our manufacturing equipment financing guide and our machine shop loans page.
A CNC machine purchase involves more than just the machine itself. Many manufacturers are unaware that the following soft costs can often be bundled into the financing:
Soft cost inclusion is typically capped at 20–25% of the hard equipment cost. Bundling these into the loan preserves your cash and creates one fixed monthly payment for the complete machining solution.
3-axis CNC machines represent the bulk of job shop equipment and the majority of CNC financing transactions. They are well-understood by lenders, have established used-equipment markets, and carry predictable residual values. Financing approval is straightforward.
5-axis machines — particularly simultaneous 5-axis systems from Mazak, DMG Mori, Hermle, or Makino — are more specialized. They carry higher price points ($250,000–$1M+) and serve aerospace, medical, and defense markets with precision requirements that justify the investment. Lenders are familiar with this equipment category, and 5-axis machines finance cleanly, though the larger loan amounts require stronger revenue documentation.
Multi-tasking machines that combine turning and milling operations (Mazak Integrex, DMG Mori NTX, Okuma Multus) are financed as equipment loans. Their complexity and higher price points mean lenders may request additional financial documentation, but they are fully financeable assets.
The process is simple. Have these items ready before you start:
Submit your application at /current-application.html or call (305) 384-8391 to speak with a CNC financing specialist. Decisions come within 24 hours. Dealer funding within 3–7 business days.
A $150,000 CNC machining center financed over 60 months at a 12% annual rate costs approximately $3,335/month. A $75,000 entry-level machine over 48 months at 15% runs about $2,085/month. Your actual rate depends on credit, time in business, and the specific machine.
All major CNC brands qualify: Haas Automation, Mazak, DMG Mori, Okuma, Fanuc, Hurco, Doosan, Makino, Brother, Citizen, and many others. Both new machines from authorized dealers and used machines in good working condition are eligible.
Yes. Used CNC machines in good working condition qualify for financing. For machines over $100,000, lenders typically require a recent inspection report or third-party appraisal. Terms for used machines are generally 24–48 months.
A credit score of 600 or higher is preferred. Scores as low as 500 can qualify when the machine purchase is well-documented, the business shows strong monthly revenue, and a 10–20% down payment is provided.
For machines under $250,000, most credit decisions come within 24 hours. Full documentation and dealer funding typically takes 3–7 business days. Larger transactions over $500,000 may require 5–10 business days.
Applicants with 700+ credit scores and 2+ years in business often qualify for 100% financing. Businesses with lower credit or under 2 years old may be asked for 10–20% down.
Yes, in many cases. Soft costs including tooling, workholding, CAM software licenses, and installation/training can be bundled into the financing up to approximately 20–25% of the hard equipment cost.
You are responsible for loan payments regardless of the machine's operating status. This is why purchasing an extended warranty or service contract alongside your new CNC machine is strongly recommended.
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