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Robot and automation financing

Robot and automation equipment financing

MC Equipment Finance arranges Equipment Finance Agreements, leases, and rentals for industrial robots, collaborative robots (cobots), and automation equipment used in manufacturing. Deals from $5,000 to $1,000,000 can be done with a one-page credit application, terms run 12 to 84 months, and credit decisions typically take 24 to 48 hours. You get a specific quote up front, and we place your automation project with the lender that fits it best.

Robot financing options

  • Equipment Finance Agreement (EFA). Works like a loan, 12 to 84 months.
  • Capital lease. Built for you to keep the system at the end.
  • True or operating lease. Lower payments and the option to upgrade as the technology changes.
  • Rental. 12 to 24 months, to try automation on a shorter commitment.

Automation projects take time

Automation cells are often built and installed over weeks or months, and integrators usually want payments along the way. Progress payments can cover those. You pay interest only on what has been paid out until the loan commences, so you are not making full payments on a cell that isn't running yet.

Matching the payment to the payback

Most shops automate to run more hours with the same crew. Financing lets the monthly payment come out of the production the robot adds, instead of out of cash on hand. Run your numbers in the calculator below or the equipment ROI calculator, then call Matt at 484-788-2554 to talk through the right structure.

Frequently asked questions

How does robot and automation equipment financing work?

Get a quote from your robot vendor or integrator, and call us for a financing quote up front. Then fill out our one-page credit application. We place it with the lender that fits your deal, and credit decisions typically take 24 to 48 hours. After you sign with DocuSign, the lender pays the vendor and you make monthly payments.

Who are the lenders for robot and automation financing?

MC Equipment Finance is a broker, not a lender. We work directly with large and small national banks and private lenders across the United States. We know which of them understand automation projects, and we place your deal with the one that fits.

Can I finance the whole automation cell, not just the robot?

Usually, yes, within limits. Put everything on the integrator's quote: the robot, end-of-arm tooling, guarding, conveyors, and integration work. Most lenders are fine with 10% to 15% in soft costs like integration and installation, and some will go higher. We will tell you up front what fits.

My integrator wants payments before the cell is installed. Can you help?

Yes. Progress payments can go to the vendor while the system is built. You pay interest only on the progress payments until the loan commences.

Can I finance a used robot?

Yes. We finance new and used equipment. For application-only deals, lenders look for standard, good-quality equipment, so have the make, model, year, and seller's details ready.

Ready to talk about your next machine?

Fill out the one-page application or send us the quote you have. Credit decisions typically take 24 to 48 hours.

Apply NowGet a QuoteCall Matt: 484-788-2554