Manufacturing Financing Canada
Equipment, Expansion, Working Capital
Canadian manufacturers face long payment cycles, heavy equipment investments, and significant working capital needs. lendflo connects manufacturers to 50+ specialized lenders — equipment, expansion, cash flow bridge — with a fast decision.
Financing Solutions for Manufacturers
Equipment Financing
Finance CNC machines, lathes, presses, assembly lines, conveyors, and any production equipment. Preserve cash, own the asset.
Working Capital
Bridge the gap between production costs and customer payment (net 30-90). Cover payroll, materials, and utilities.
Expansion Loans
Open a second facility, upgrade production lines, enter new markets. Term loans from $25K to $2M.
Manufacturing Sub-Sectors We Finance
Qualification — Canadian Manufacturers
FAQ — Manufacturing Financing Canada
We’re here to simplify your business financing journey, so you can feel confident every step of the way.
lendflo finances CNC machines, welding equipment, conveyors, industrial furnaces, assembly lines, industrial robots, and virtually any other equipment used in manufacturing. New or used equipment is accepted, and it can serve as collateral in some cases.
Yes. lendflo's working capital loans allow manufacturers to cover payroll, materials, and fixed costs during production lulls or while waiting on payments from large clients (net 30-90). Apply in 5 minutes, funds quickly.
Through lendflo, manufacturers can borrow from $10,000 to $2 million: equipment financing ($10K–$500K), term loans ($25K–$2M), working capital ($5K–$250K), and purchase order financing.
Minimum: 6 months in business, $10,000/month revenue, Canadian business bank account, 550+ credit score. Poor credit accepted through certain partners. Free application, no credit impact.
Still have questions?
No obligation, just answers.
Quick answer
What financing do Canadian manufacturers use most?
Equipment financing from $10K to $500K for production machinery, term loans from $25K to $2M for expansion, and working capital from $5K to $250K to bridge raw-material purchases and customer payment terms. A decision arrives quickly.
Why manufacturing needs patient capital
Manufacturers pay for materials, labour and energy before customers pay their invoices, often on 30-to-60-day terms. New production lines, CNC machines and automation also carry large up-front costs but earn money for many years, which makes equipment financing a natural fit.
Common uses of financing
- CNC machining centres, presses, lathes and fabrication equipment
- Material-handling gear such as forklifts and conveyors
- Automation and quality-control equipment
- Working capital for raw-material purchases and large orders
What lenders look at
For equipment loans, the machine itself usually acts as security, which can keep down payments low. For working capital, lenders review recent revenue and bank statements. Have a supplier quote and a few months of statements ready.
Manufacturing Financing — Fast Decision
Apply free in 5 minutes. 50+ lenders specialized in manufacturing.
Free · No credit impact · fast decisions · 50+ lenders
What you need to apply through lendflo
Most lenders in the network look for these basics.
- A registered Canadian business — in any province or territory.
- Time in business — at least 6 months of operation.
- Revenue — around $10,000 a month or more.
- A Canadian business bank account — that is valid and in use.
- Recent bank statements — usually three to six months.
- Credit — scores from 500 are considered; revenue and cash flow count too.
People also ask
It depends on revenue, time in business, credit and the product. Through lendflo, term loans run from $25,000 to $2,000,000, equipment financing from $10,000 to $500,000 and working capital from $5,000 to $250,000. Lenders size an offer to what your revenue can repay.
Through lendflo, most applicants get a fast decision, and funds typically arrive shortly after approval. Speed depends on the lender and on how complete your documents are, so have recent bank statements ready before you apply.
Most lenders ask for three to six months of business bank statements, your business registration, identification, and the amount and purpose of the loan. Equipment loans add a supplier quote, and larger amounts may need recent financial statements or tax filings.
There is no single cutoff. Banks usually want good credit, while alternative lenders in lendflo’s network consider scores from 500 and weigh revenue and cash flow heavily. A higher score generally means better terms, so check your credit report for errors before you apply.
Terms explained
What is equipment financing?
Equipment financing is a loan or lease used to buy business equipment such as vehicles, machinery or technology. The equipment itself usually serves as the lender’s security, which makes approval easier and can keep the down payment low. Through lendflo it runs from $10,000 to $500,000, with terms up to 84 months.
See in the glossaryWhat is working capital?
Working capital is the cash a business uses for day-to-day costs such as payroll, rent, inventory and supplier bills. A working capital loan bridges the gap between paying those costs and getting paid by customers. Through lendflo it is based mainly on recent revenue rather than collateral.
See in the glossaryWhat is a business line of credit?
A business line of credit is a revolving credit limit: you borrow what you need, repay it, and borrow again, paying interest only on the balance you use. It suits ongoing swings in cash flow better than a one-time purchase, which a term loan handles better.
See in the glossaryTopic guide
Part of the guide: Financing by industry
How financing works for restaurants, trucking, construction, farms, clinics, retail, manufacturing and tech.