Metal Fabrication & Roll Former Equipment Financing
Roll formers, press brakes and lasers on fixed payments
Liberty Capital finances metal roofing and siding manufacturers, gutter and trim shops, structural and sheet-metal fabricators, foundries and machine shops. Roll formers, press brakes, fiber lasers, plasma tables, shears and welding cells, new or used, nationwide.
Metal equipment we finance
What to check when financing a roll former
Why fabricators lease
Leasing is an inflation buster: a fixed payment while steel and machine prices rise. It is cash flow management, with a low capital outlay compared with buying outright, so cash stays free for coil, payroll and big orders. Payments are low and manageable, terms run up to 5 years, and most leases end with a $1 buyout.
Equipment may qualify for Section 179, a potential 100% deduction in the year it goes into service (ask your CPA). You conserve cash to add the next line.
What it takes to qualify
- 600+ credit for smaller deals; 650+ for $50K and up
- 3–4 months of business bank statements
- Machine quote with year, make and model
- Larger deals: 2–3+ years in business and financials
- $0 down is reserved for 5+ years in business, established PayNet and D&B business credit and 700+ personal credit
New shops and new product lines
New fabricators and roofing manufacturers are reviewed case-by-case. Trade experience, customer contracts and a down payment help. A portable roll former is often a startup’s first financed machine.
Metal fabrication equipment financing for shops and manufacturers
Metal fabrication equipment financing spreads the cost of roll formers, press brakes, shears, lasers, plasma tables and welding cells into low, manageable monthly payments, so cash stays available for payroll, fuel and materials. Terms run up to 5 years (up to 72 months on some newer heavy units; used equipment typically up to 60), and most leases end with a $1 buyout so you own the equipment.
Metal fabrication equipment financing also covers installation, tooling and software as soft costs on many deals. A fixed payment is also a hedge against rising equipment prices, and many deals may qualify for the Section 179 deduction (up to 100% of qualifying equipment in the year placed in service); see IRS Publication 946 and confirm with your tax advisor. For metal fabrication equipment financing, get a free quote.
Metal equipment financing questions
Can I finance a used roll former?
Yes, from dealers or private sellers, with the year, hours and a condition report. Older machines may get a shorter term.
Can freight, rigging and installation be included?
Often, yes, depending on the program and approval.
Do you finance portable gutter machines?
Yes. Trailer-mounted gutter and panel machines can be financed with the trailer.
Lease or buy metal fabrication equipment?
A $1 buyout lease or EFA builds ownership; an FMV lease gives the lowest payment for technology like fiber lasers you may upgrade. Ask your CPA about Section 179.
Will applying hurt my credit?
We start with a soft inquiry. The lender runs a hard inquiry only at final approval.
Ready to add your next machine?
Get a free quote or call (888) 511-6223.
Rates and terms disclosure: any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO), subject to credit approval. Startup rates vary and are subject to final approval. Application-only limits vary by credit, time in business, equipment type and industry; amounts shown are guidance, not a promise. $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. This is not an offer or commitment to lend. Not tax advice; ask your CPA about Section 179.