Service Area
Wichita, KS
Finance aerospace assembly, food processing, and industrial automation equipment for Wichita manufacturers. $50k minimum, application-only up to ~$400k, fund in about 2 weeks.
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Wichita manufactures roughly 40 percent of the world's general aviation aircraft. Spirit AeroSystems builds the fuselage for every 737 Max at its Wichita facility, and Textron Aviation (Beechcraft, Cessna) has been assembling aircraft here for nearly a century. Below that headline sits a supply chain of precision machined parts, composite fabrication shops, and avionics assembly operations that represent a genuine concentration of high-tolerance manufacturing. The same city also processes a meaningful share of the southern plains grain crop through milling and food manufacturing operations. Throughput and precision are the two constants across both sectors.
We finance production line and industrial automation equipment for Wichita manufacturers. Minimum deal size is $50,000. The sweet spot where our financing team is most competitive runs from $100,000 upward, with application-only approval available up to roughly $400,000. B/C credit profiles are considered. A complete file funds in about one to two weeks.
Whether the project is a CNC machining center for an aerospace parts supplier or a continuous-run Conveyor System Financing for a grain processing facility, the financing structure needs to match the production economics of the specific operation, not a generic template.
Wichita's Manufacturing Base
Aerospace is the dominant sector, but it branches into distinct sub-segments. Tier 1 suppliers like Spirit AeroSystems require their Tier 2 and Tier 3 vendors to hold specific AS9100 certifications and meet tight delivery schedules. Those suppliers run precision machining centers, composite layup operations, and automated inspection lines. Capital investment cycles in this tier track closely with program schedules, meaning a new contract or a production rate increase often triggers a specific equipment buy.
Agricultural processing in Wichita is less visible but substantial. Several large flour milling and grain processing operations run 24-hour production lines that need capital investment on a predictable maintenance and upgrade cycle. The Food & Beverage Manufacturing here runs conveyor systems, bulk handling equipment, and packaging lines on continuous schedules where an unplanned downtime event is immediately quantifiable as lost production.
A smaller but growing segment is general industrial manufacturing, including fabricated metal products, industrial machinery, and distribution center equipment serving the regional logistics market. Robotic welding systems and Automated Guided Vehicle (AGV) Financing are showing up in fabrication shops here as labor availability tightens.
New Equipment vs. Used: What Changes in the Financing
New production equipment bought direct from an OEM or integrator is the cleanest financing scenario. The purchase price is clear, the warranty is intact, and lenders accept the invoice as the basis for the loan or lease. Terms typically run 36 to 84 months depending on the equipment category and useful life.
Used equipment opens the market considerably for Wichita buyers. Aerospace industry consolidations and plant closures regularly put late-model CNC machines, assembly fixtures, and inspection systems onto the secondary market. Buying used and financing it through direct financing programs is a legitimate path to adding production capacity at a lower cost basis than new. Lenders will want an appraisal or a dealer condition report above certain thresholds, and the loan-to-value ratio may be slightly more conservative than on new, but the programs exist and we use them regularly.
Used equipment financing for precision machinery sourced through dealers, auctions, or direct private sales is fully supported through direct financing programs. The key due diligence on aerospace-grade machines is verifying the maintenance history and confirming the machine is eligible for any required re-certification before it goes back into production.
Refinancing and Sale-Leaseback for Wichita Plants
Manufacturers who invested in equipment during a contract award and have since paid down the debt, or who purchased equipment outright, sometimes find themselves with significant equity locked in machines on their floor. A Sale-Leaseback converts that equity to operating cash without moving the equipment. The plant sells the machine to a lender at a negotiated value, leases it back immediately, and uses the proceeds for whatever the business needs most, including hiring, inventory, another piece of equipment, or debt reduction.
For machines that still carry a balance, Equipment Refinancing can lower the monthly payment by extending the term, reduce the interest cost if rates have moved, or pull equity if the machine has appreciated or been paid down faster than the depreciation schedule. Wichita aerospace suppliers sometimes refinance a machine at the start of a new production contract to free cash for the tooling and fixturing required for the new program.
Finance Your Wichita Production Equipment
Bring us the equipment specs, the dollar amount, and your target timeline. We'll return a term sheet within two to three business days. No obligation until you sign final documents.
Questions About Wichita, KS
Clear answers on equipment eligibility, documentation, timing, and transaction structure before you send the file.
We're an AS9100-certified shop. Does our aerospace certification help with financing approvals?
It helps indirectly. Lenders don't formally score certifications, but an AS9100 cert signals contract stability and a disciplined quality management system, which reduces perceived risk. If you're financing equipment tied to a specific program contract, having that documentation in the file strengthens the narrative.
Can we finance equipment that needs to be integrated into an existing line by a third-party integrator?
Yes. Integration costs can often be bundled into the financing if the integrator provides an itemized quote that is part of the same project. Soft costs like installation and commissioning are handled differently by different lenders, so we ask about this upfront to match you with a lender whose program accommodates it.
Spirit AeroSystems is a big customer of ours. Will a pending rate increase from them support a larger loan?
A signed purchase order or long-term supply agreement from a creditworthy customer can support the financing narrative, but lenders still underwrite based on your company's financials rather than your customer's credit. The contract helps provide context; it doesn't substitute for your own revenue and cash flow documentation.
We bought a five-axis machining center three years ago and it's paid off. Can we borrow against it?
A paid-off machine with remaining useful life is a solid candidate for sale-leaseback or cash-out refinance. We'd need an appraisal or dealer valuation to establish current market value, then structure the financing at an appropriate loan-to-value ratio. The process takes about the same time as a new purchase.
How do you handle deals where we're buying multiple machines at once for a line expansion?
Multiple machines acquired together as a line project are typically bundled into a single credit facility rather than financed one at a time. This is cleaner administratively and often produces a better rate than multiple small deals. We structure it as a project loan or master lease schedule covering all the equipment in the expansion.
Finance Your Wichita, KS
Send the equipment quote, seller details, price, deposit, and delivery schedule. The financing desk will review the file and return a practical next step.