manufacturing · Equipment & asset finance
Packaging machinery finance
A packaging line is only as fast as its slowest machine. We fund the whole line together so you are not upgrading one piece at a time.
What is packaging machinery finance?
Packaging machinery finance is funding for filling, sealing, labelling, wrapping and palletising equipment, secured against the machines. Australian food, beverage and consumer goods producers finance packaging lines to lift throughput, and lenders will usually fund a whole line including integration on one contract.
For a growing food or beverage producer, packaging is usually the first hard constraint. Hand filling and labelling works to a point, then it stops working entirely: labour costs rise, consistency slips, and retail customers want a pack presentation that manual work cannot deliver reliably. Automating the line is what makes the next tier of customers possible, because supermarket and distributor buyers expect consistent pack weights, barcodes and date coding on every unit.
Because a line is a set of machines that must work together, finance it as a project. A filler funded now and a labeller funded next year usually produces an unbalanced line and two sets of finance costs. Ask the supplier to quote the complete line including conveyors, controls and installation, and your broker can arrange a single facility, with progress payments where the build takes months.
Packaging machinery finance at a glance
| Typical price range | $20,000 – $1,500,000 |
|---|---|
| Finance term | Up to 72 months |
| Useful life | About 12 years |
| New or used | New machines suit high-speed lines with warranty and integration support; used equipment is common in start-up food businesses and is financeable from known brands. |
| Indicative rates (Chattel mortgage) | 6.9% – 14.5% p.a. · rate history |
| Finance structures | Chattel mortgage (recommended), Machinery finance, Equipment loan, Finance lease |
How lenders assess packaging machinery finance
Packaging equipment is assessed on brand, throughput rating and how specialised the machine is. General-purpose fillers, labellers and shrink wrappers have a broad resale market and are readily funded. Highly customised lines built for one product are harder to secure and may require a deposit. Integration, conveyors, controls and installation can be included when quoted with the equipment. Progress payments to suppliers and deposits on imported machines can generally be arranged with the right documentation.
Before you buy
- Specify around your peak throughput plus a margin, not your current average, or the line becomes the bottleneck within a year.
- Check changeover time between pack formats; on short runs, changeover often matters more than headline speed.
- Confirm the machine meets food safety and compliance requirements for your product before you order.
Commonly financed
Ishida multihead weighers · Tetra Pak filling systems · Krones labelling and filling lines · Robopac stretch wrappers · Multivac thermoformers
Estimate packaging machinery repayments
- Number of repayments
- 60
- Balloon at end of term
- $152,000
- Total interest (est.)
- $215,136
- Total repaid (est.)
- $975,136
This calculator provides an estimate only and does not account for fees, charges or the specific terms a lender may offer. It is not financial advice or an offer of finance.
Key terms
What is packaging machinery finance?
Packaging machinery finance is a secured loan or lease used to buy filling, sealing, labelling, wrapping or palletising equipment, with the machines as security. Terms usually run 48 to 72 months and a full line can generally be funded on one contract.
Can a whole production line be financed together?
Yes. Panel lenders regularly fund complete lines, including conveyors, controls and installation, under a single facility. Where a line is built and commissioned over several months, progress payments to the supplier can usually be arranged as part of the funding.