Machinery Financing and Leasing for New and Used Equipment

No. Sterling Machinery Exchange is not a bank or lender. Financing is provided by independent third-party financing companies. Sterling helps customers connect with financing partners, compare possible options, and move quickly when they find the right machine.

For most established businesses and machinery purchases of $5,000 and above, Sunset Financing is our preferred financing partner. Sunset works hard to structure equipment financing options for serious machinery buyers, growing shops, and larger equipment purchases.

Sunset Financing is usually a strong fit for established businesses buying machinery priced at $5,000 and above. It may also be a good fit when the purchase includes machinery, tooling, freight, installation, accessories, or other related equipment costs.

Clicklease may be useful for smaller-ticket purchases, generally from $500 to $5,000. It may also be useful for start-ups, newer businesses, or customers buying smaller shop equipment, tooling, or lower-cost machines.

Yes. Many customers finance used machinery. Used machinery financing can help a business get quality equipment into production without using all available cash at once.

Yes. New machinery financing is available through third-party financing partners. Customers finance new press brakes, shears, ironworkers, saws, rolls, lasers, mills, lathes, grinders, CNC machines, and other shop equipment.

In some cases, a financing partner may consider a package that includes both new and used machinery. Approval depends on the lender, customer credit profile, equipment type, invoice details, and transaction size.

Some financing programs may allow related soft costs such as tooling, accessories, freight, installation, rigging, training, software, or setup to be included. This depends on lender approval and the structure of the transaction.

Sometimes. If shipping, rigging, or installation is part of the machinery purchase, some financing companies may allow those costs to be included. Sterling can help you prepare the quote package for review.

Yes. One of the main reasons businesses finance machinery is to preserve cash for payroll, material, tooling, repairs, marketing, inventory, electrical work, freight, and general operating expenses.

Financing may allow a business to keep cash available while putting equipment to work immediately. If the machine helps generate revenue, reduce outsourcing, or increase production, monthly payments may be easier to manage than one large cash purchase.

Yes. Financing can help a shop add equipment sooner, accept larger jobs, increase capacity, reduce bottlenecks, and bring more work in-house. Waiting to pay cash may delay growth while competitors move faster.

Yes. Some businesses use financing to purchase multiple machines or a complete equipment package. This can be useful when expanding a shop, opening a new department, replacing older machines, or adding capacity for new contracts.

Yes. Pre-approval can help you understand your purchasing power before selecting equipment. This is especially helpful when buying used machinery because good used machines can sell quickly.

Approval speed depends on the financing company, transaction size, business history, credit profile, and required documentation. Smaller transactions may move quickly, while larger purchases may require more review.

Financing companies may ask for business name, owner information, time in business, equipment quote, invoice amount, business financials, bank statements, tax returns, credit authorization, or other documents depending on the size and structure of the deal.

Some start-ups may qualify for certain financing programs, especially on smaller-ticket purchases. Clicklease may be useful for newer businesses and smaller purchases, while other lenders may require additional documentation or stronger credit history.

Often, yes. Established businesses with stronger credit, revenue history, and business documentation may have access to better structures, larger approvals, and more flexible options. Final decisions are made by the financing company.

Machine shops, fabrication shops, welding shops, contractors, schools, colleges, manufacturers, repair shops, maintenance departments, government buyers, metalworking businesses, and production facilities commonly explore machinery financing.

Schools, colleges, technical centers, and training programs may explore financing for new and used machinery. Financing can help schools add equipment for welding, machining, CNC, fabrication, and manufacturing education programs.

Some government departments, municipalities, and public agencies may explore financing or purchasing programs depending on their procurement rules. Sterling can help provide machinery quotes, specifications, and supporting information when needed.

In some cases, financing may be available for auction machinery. It is best to discuss financing before bidding so you know your budget, approval status, and payment timeline.

Yes. Many machines listed on SterlingMachinery.com may be eligible for financing through a third-party financing company. Contact Sterling with the stock number or machine link so we can help point you toward the right application.

Yes. Sterling Machinery works with customers across the United States. Customers outside California can explore financing options for machinery shipped nationwide.

Yes. Sterling Machinery Exchange is located in South El Monte, California, and helps California businesses explore financing for new and used industrial machinery.

Yes. Sterling Machinery works with customers across the United States and can help buyers explore financing options for machinery purchases shipped nationwide.

Yes. Press brakes are commonly financed by fabrication shops, schools, manufacturers, and metalworking businesses. Financing can help a shop add bending capacity without paying the full purchase price upfront.

Yes. Mechanical shears, hydraulic shears, CNC shears, and other sheet metal cutting machines may be eligible for financing depending on the equipment, price, and financing company approval.

Yes. Ironworkers are commonly financed because they perform multiple operations, including punching, shearing, notching, and angle cutting. They can be a strong productivity upgrade for fabrication shops.

Yes. Manual lathes, engine lathes, CNC lathes, and turning centers may be eligible for machinery financing through third-party financing companies.

Yes. Manual mills, CNC mills, vertical machining centers, and toolroom mills may be eligible for financing depending on the machine, price, and customer approval.

Yes. Horizontal band saws, vertical band saws, cold saws, automatic saws, and production saws may be financed by shops that need better cutting capacity and throughput.

Yes. Larger cutting systems such as fiber lasers and waterjets are often financed because they can represent major production upgrades and may include installation, accessories, and support costs.

Yes. If you are paying another shop for cutting, bending, machining, sawing, or forming, financing the right machine may help bring that work in-house and improve control over cost, timing, and quality.

Yes. Adding the right machine may allow your business to quote larger jobs, increase capacity, reduce bottlenecks, and serve customers faster. Financing can help you add that capacity sooner.

Some programs may offer low-down or no-down options depending on lender approval, equipment type, business profile, credit strength, and transaction size. Terms are determined by the financing company.

Some financing programs may offer deferred payment options, seasonal structures, or flexible payment schedules when available. These options depend on lender approval and may not be available for every customer or transaction.

Many equipment financing programs offer fixed, predictable payments. This can help customers budget monthly costs and compare the payment against the income the machine may help generate.

Financing may affect business or personal credit depending on the application, lender requirements, credit pull type, guarantor requirements, and payment history. Ask the financing company directly before applying if this is a concern.

Some programs may allow early payoff or early purchase options, but terms vary by financing company and agreement. Customers should review all documents carefully before signing.

The Clicklease Early Purchase Option may allow a customer to purchase the equipment within the first five months. The sooner the customer uses the early purchase option, the more they may save compared with carrying the lease for the full term. Fees, taxes, terms, and eligibility are controlled by Clicklease.

Based on the Clicklease explainer, payments already made are not deducted from the buyout amount. Customers should confirm the exact terms with Clicklease before signing any agreement.

Some lease payments may be deductible as a business expense depending on the structure and the customer's tax situation. Sterling Machinery does not provide tax advice. Customers should consult a CPA or tax professional.

Some financed equipment may qualify for Section 179 or depreciation treatment depending on the financing structure, equipment type, placed-in-service date, and business tax situation. Always confirm with your CPA before making a purchase decision based on tax treatment.

Yes. A CPA can help determine whether a purchase, lease, depreciation schedule, Section 179 deduction, or other tax treatment makes sense for your business.

Yes. Sterling can help direct you toward the financing partner that appears to fit your purchase size and business situation. Final approval, rates, terms, and documentation are handled by the financing company.

Sterling works with financing partners familiar with machinery purchases. That can help customers move faster, especially when the transaction includes machine details, freight, tooling, or time-sensitive used equipment.

Machine pricing and financing are separate. Sterling can discuss the machine price, available options, tooling, freight, and package details. The financing company determines financing approval, rates, and terms.

In some cases, yes. Customers may be able to include tooling, options, or accessories in the financed amount depending on lender approval. Sterling may also be able to help customers save on tooling and machine options from manufacturers we work with.

Yes. Many businesses explore financing when they win a new contract, need more capacity, or must meet a production deadline. Financing may help get the equipment in place before the new work begins.

Yes. Financing replacement machinery can help reduce downtime, improve accuracy, increase safety, and replace equipment that is too slow, too small, or too costly to maintain.

Yes. Sterling buys, sells, trades, and takes select machines on consignment. In some cases, selling or trading existing equipment may help offset the cost of a new or used machinery purchase.

Yes. You can start by discussing your target budget, machine type, and business needs. Pre-approval may help you shop more confidently when comparing machines.

The best first step is to choose the machine or machine category you are interested in, then contact Sterling Machinery or apply through the appropriate financing partner. For most purchases of $5,000 and above, start with Sunset Financing.