Funding Scenarios
Equipment Financing Scenario: Harbor Glass & Metal
Harbor Glass & Metal is a fictional small fabrication shop. The owner is considering a new CNC machine that would let the team take on larger architectural jobs without renting time at a partner shop.
The situation
- Machine cost: about $185,000 installed
- Expected new revenue: two to three additional jobs per month
- Current cash: enough for deposits, not the full purchase
- Existing debt: one equipment loan, one small line of credit
How a review might look
Equipment financing is often considered when the asset itself produces revenue and has a clear useful life. A lender would typically look at recent revenue trends, current debt load, and whether the new work pipeline is realistic.
For document prep, see the documents checklist.
Practical Takeaway
- Tie the equipment request to specific, named revenue opportunities.
- Know your existing debt payments before adding new ones.
- Ask about term length that matches the equipment's useful life.
Questions About Business Funding?
Call or text Dee at 917-881-3160 to talk through available funding options, documents to prepare, or the best next step for your business. Approval, rates, terms, grants, and funding options are subject to review.
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