Packaging and food processing equipment financing. The line, not just the machine.
A co-packer adding a second vertical form-fill-seal bagger. A meat processor financing a slicer, a vacuum packer, and the conveyor between them. A snack manufacturer installing a checkweigher and case packer. A cosmetics filler adding an automatic capping line. We finance the full line as one package, including installation and the controls that tie it together.
Who we fund
- Food and beverage manufacturers. Snack, bakery, meat and poultry, dairy, frozen, sauces, bottling and canning.
- Co-packers and contract manufacturers. Lines added for a specific customer contract.
- Consumer-goods manufacturers, cosmetics, supplements, pet food, household products.
- Agricultural processors, produce packing, nut and grain processing.
- Established operations only, a plant with operating history and a credit picture we can underwrite; startups are case by case.
What we finance
- Packaging, form-fill-seal (vertical and horizontal), flow wrappers, cartoners, case packers and erectors, palletizers, stretch wrappers, labelers, checkweighers, metal detectors.
- Filling and capping, liquid, powder, and granular fillers; bottling and canning lines; cappers and induction sealers.
- Food processing, slicers, dicers, mixers, grinders, ovens, fryers, blanchers, freezers and spiral freezers, smokehouses, vacuum packers, HPP.
- Material handling and sanitary conveyors. Stainless conveyors, bucket elevators, bulk-bag unloaders.
- Inspection and automation, vision systems, X-ray inspection, robotic pick-and-place, PLC and controls as part of the line.
Installed in leased space
Most lines are bolted down in a leased building. Expect us to ask for a copy of the lease and a landlord waiver on larger packages; we handle that paperwork with you. Used equipment from a dealer or a rebuilder funds with an inspection and serial numbers; private-party purchases are not financed.
How much down
The ranges below are reference points so you know roughly where a file lands. They are not a rate sheet. We review every situation individually, and once we've seen your file we'll tell you exactly what the down payment is.
- Established business, 700+ credit, prior commercial financing paid as agreed: low or zero down is on the table.
- Established business, strong credit, first commercial financing: around 10% down.
- Established business, credit between 635 and 700: plan on 15% to 25%.
- New business: 700+ personal credit required, with a real down payment.
- Below 635 credit: Below 635 personal credit is not a file we can place on this type of equipment; the collateral doesn't carry a weak-credit program the way a truck or a piece of yellow iron does.
Every file is reviewed on its own merits. Time in business, bank statements, the specific equipment, and comparable credit all move the number. The tiers above are where files usually start, not where they have to end.
What we don't finance
- Auction purchases
- Private-seller purchases
- Glider trucks
- Repairs to existing equipment
- Refinances of current loans (cash-out refi on free-and-clear equipment only — call for details)
Frequently asked
Can installation and controls go on the loan? Yes. Installation, rigging, controls, and commissioning on the equipment invoice fund as part of the package.
Do you finance used packaging equipment? Yes, from a dealer or rebuilder, with an inspection and serial numbers. We do not finance private-party purchases; equipment bought at auction with cash can be refinanced afterward through our cash-out program.
Leased building? Expect us to ask for the lease and, on larger packages, a landlord waiver. Routine; we handle it with you.
How large a deal? Application-only approvals typically run to $250,000; full lines are underwritten with financials, with no fixed upper limit.
How fast? Approvals in 24 to 48 hours on application-only files; larger lines in about a week with financials.
Ready to talk about the line you're adding?
Tell us about the equipment.
Send the integrator or OEM quote if you have one. Three minutes on the phone and you'll know what your deal looks like.
What our equipment customers say
Real reviews from operators we've funded. Verified five-star reviews from our public profile.
★★★★★
“I have been in commercial truck sales since 1998 and have dealt with multiple finance companies over the years. I have been working with Spencer at Trust Alliance Capital for about 6 years now. Trust Alliance is my only alternative finance company in the industry. Spencer is absolutely the most personable and responsive person I have ever dealt with. Thanks for all you do.”
, David B., Greensboro NC · Truck Sales, 25+ years in the industry · worked with Spencer
★★★★★
“As a new startup, Logan helped me find the easiest financing with little hassle. The whole experience was awesome — especially the ability to walk into a dealership and negotiate a price knowing you have already been approved. Will go this route from now on.”
, Jason M., OK · New Startup · worked with Logan
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