Packaging Equipment Financing
Packaging equipment financing lets you add a machine or a full line and pay for it over time while it produces: a third-party lender pays the supplier, and your business repays on agreed terms. Ironmark follows up personally and connects you with a financing specialist.
- Shrink wrappers, tunnels and sealers
- Fillers, cappers and labelers
- Case erectors, packers and sealers
- Stretch wrappers and conveyors
Get a Quick Quote
Tell us about the equipment. A real person follows up with options.
How does packaging equipment financing work?
Packaging equipment financing works like most equipment financing. You get the supplier's quote for the machine, change parts and any installation or integration. A financing specialist reviews your business and the equipment and explains the options, which can include an equipment loan or a lease. If a third-party lender approves the request, it pays the supplier and your business makes payments over the agreed term, with the equipment typically serving as collateral.
Many businesses finance packaging equipment so cash stays available for raw materials, inventory and payroll while the new machine starts producing. Financing also makes it practical to buy a machine sized for projected volume instead of settling for what cash on hand allows. Lenders commonly view packaging machinery as productive equipment, though custom-built or highly specialized machines may be reviewed differently than standard models. Terms vary by lender and deal, and every request is subject to approval.
A useful quote names the machine, manufacturer and model, whether it is new or used, and what the price includes, such as change parts, installation, integration or training. For used equipment, the year, running condition and any rebuild history matter. Send those details through the Quick Quote and Ironmark will follow up personally and connect you with a third-party financing specialist.
What you can finance
New and used units from dealers, auctions and private sellers, depending on the lender.
Shrink wrappers and shrink tunnels
Sleeve wrappers and heat tunnels that shrink film around individual products or multipacks.
Bundlers
Machines that group multiple items and wrap them into bundles for retail or shipping.
L-bar and side sealers
Sealers that form and seal film around products, from manual L-bar units to automatic side sealers.
Fillers and cappers
Liquid, powder and piston fillers paired with cappers for bottles, jars and other containers.
Labelers
Pressure-sensitive, wraparound and front-and-back labelers, plus print-and-apply systems.
Case erectors, packers and sealers
End-of-line machines that form cases, load product and tape or glue the cases closed.
Stretch wrappers
Turntable, rotary arm and semi-automatic wrappers that secure loaded pallets for shipping.
Conveyors
Belt, roller and accumulation conveyors that connect individual machines into a working line.
Businesses we work with
- Food and beverage producers
- Co-packers and contract packagers
- Nutritional supplement makers
- Cosmetics and personal care brands
- E-commerce and fulfillment centers
- Contract manufacturers
- Household and chemical product makers
What lenders look at
Every lender has its own criteria. These are the things that commonly shape the options for this equipment.
Time in business and revenue
Lenders commonly look at how long the business has operated and whether revenue supports the added payment. Recent bank statements or financial statements are often part of the review for larger requests.
Credit history
Personal and business credit history are typically reviewed, along with any existing equipment loans or leases the business carries.
Standard versus custom equipment
Standard machines from recognized manufacturers are generally easier for a lender to value than custom-built or highly specialized equipment. Be ready to describe what the machine does and who built it.
New or used, and who is selling
A new machine from a manufacturer or dealer is documented differently than used equipment from an auction, broker or another plant. For used machines, the year, condition and any rebuild history matter.
What the quote includes
Packaging quotes often include change parts, installation, integration, freight and training. Lenders may treat these soft costs differently from the machine itself, so an itemized quote helps.
Financing is provided by third-party lenders, subject to their review and approval. Ironmark is not a lender.
Before you apply
- 1Confirm the machine handles your product, container and film sizes, and ask which change parts are included.
- 2Ask the seller whether installation, integration with your current line and operator training are in the price.
- 3Check the machine's power and compressed air requirements against what your facility has available.
- 4For used machines, ask for the year, running condition and rebuild records, and see it run if you can.
- 5Get an itemized quote that separates the machine, change parts, freight and installation.
Buying guidePackaging buying guide and inspection checklistWhat to compare, what to ask the seller and a checklist to take to the lot.Read the guide Packaging Equipment Financing FAQs
Can you finance used packaging equipment?
Yes, used packaging machines are commonly financed, including equipment bought from dealers, brokers and auctions. Lenders look at the machine's age, condition and manufacturer. Whether a specific machine qualifies depends on the lender and the deal.
Can you lease packaging equipment?
Leasing is one of the structures lenders may offer for packaging machinery, alongside equipment loans. Leases differ in their end-of-term options, such as returning the equipment or buying it, so compare the total cost and what happens when the term ends. Your accountant can explain how each structure affects your taxes.
Can installation and integration costs be included?
Some lenders will include installation, integration, freight or training when they appear on the seller's quote, while others limit financing to the equipment itself. Ask the specialist how the lender treats these costs for your deal.
Can you finance packaging equipment with bad credit?
Some lenders work with owners whose credit is less than perfect, but there is no guarantee of approval. Lenders weigh credit together with time in business, cash flow, industry experience and the machine itself, and requirements vary by lender. Standard machines from recognized manufacturers are generally easier for a lender to value than custom equipment.
Does Ironmark sell or lend on packaging equipment?
No. Ironmark does not sell equipment or lend money. Ironmark helps you get a quote, follows up personally and connects you with a financing specialist, and third-party lenders handle the application and approval.
Ready to talk about your equipment?
Send a Quick Quote with the equipment and approximate cost. A real person follows up with your options.