Can I Get Equipment Financing with No Money Down? 2026 Pathways

Yes – you can secure injection molding machine financing with no money down if you have at least a 620‑679 FICO score and 24+ months in business; many lenders offer 0% deposit loans. See the rate you qualify for in 2 minutes with a soft credit pull.

The specifics

You’ll need a 620‑679 FICO score, 24+ months in business, and a cash reserve of 3–6 months’ operating funds Bankrate. Most lenders cap the debt‑to‑income ratio at 40% of gross monthly revenue; you should stay below 30‑35% to be competitive. Typical loan terms range from 48–72 months, with APRs 8–13% depending on score (5–7% premium for fair credit) Crest Capital. Against this backdrop, Crest Capital’s “Zero‑Deposit Leasing” program offers 0% down on new machines when you hit credit tier Two – reference the Credit Tier Hub for updates. If you’re working with Mahindra Finance, the machinery‑loan package occasionally waives the down payment for high‑volume buyers; the 0% deposit is contingent on a clean credit history and a robust cash flow statement Mahindra Finance. Applying is a matter of filling out the quick digital form at Apply Now – no hard pull, just a soft check, so your score remains untouched.

Qualification & edge cases

If your FICO is below 620, a down payment of 15‑20% becomes mandatory to bridge the risk premium Lease Foundation. Likewise, startups shorter than two years or with a cash reserve under 3 months will be steered toward SBA 7(a) loans, which have higher down payments but offer lower APRs. Businesses with debt‑to‑income ratios above 40% may need to refinance existing debt or reduce operating expenses before qualifying for a 0% deposit lease. If your equipment is used, most lenders add a 1–2% rate penalty and usually require a modest down payment. In these cases, consider a credit‑tier‑specific deal or a hybrid lease‑purchase arrangement.

Background & how it works

Equipment financing can be structured as a loan or a lease. Loans involve ownership transfer at the end, with principal plus interest amortized over the term. Leasing typically gives you operational flexibility, allowing you to upgrade or replace machinery without long‑term capital commitment. In 2026, the average lease term is 48 months with periodic equipment reviews, whereas loan terms extend to 60–84 months, incurring 20–30% more total interest Lease Foundation. The 0% down option is a premium service that lenders reserve for applicants with strong credit and cash residues. Your approval cycle takes 30–45 days once you submit a soft pull; a hard pull can delay review and bump your score by 5–10 points.

Bottom line

No‑money‑down financing is available for injection molding businesses scoring between 620‑679 and meeting basic DTI and cash‑reserve thresholds. Use the quick digital form to see your rates in minutes.

Disclosures

This content is for educational purposes only and is not financial advice. injectionmoldingfinancing.com may receive compensation from partner lenders, which may influence which products are featured. Rates, terms, and availability vary by lender and applicant qualifications.

Sources

• Crest Capital
• Mahindra Finance
• Bankrate
• Lease Foundation
• Manufacturing Equipment Financing Solutions in Phoenix, Arizona