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Robotics and Automation

Industrial Robot Financing

An industrial robot does the same motion thousands of times a shift without getting tired, bored, or hurt. Machine tending, assembly, dispensing, packing, and inspection all get more consistent when a robot handles the repetitive part and your people handle setup, quality, and problem solving. For many shops, a robot is the answer to a labor shortage they can't hire their way out of.

The robot arm itself is only part of the bill. Grippers, a base or pedestal, guarding, programming, and integration add up quickly. Financing spreads that cost out so the cell can start producing before you've paid for all of it, and your cash stays available for material and payroll.

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Programs that fitEFAEquipment LoanFMV Lease

Industrial Robots We Help You Finance

  • 01

    Articulated Robots

    Articulated robots are the classic six axis arms you see in automotive and metal plants. Their rotating joints give them a large, flexible work envelope, so they handle machine tending, material handling, dispensing, and painting. When you shop, match payload and reach to your heaviest part plus the gripper, and check repeatability for precision work. Used articulated arms from major brands are widely available and often a strong value, but confirm the controller generation, spare parts availability, and whether the unit has been rebuilt or just cleaned up.

  • 02

    SCARA Robots

    SCARA stands for Selective Compliance Assembly Robot Arm, which is a fancy way of saying it moves fast and precisely on a flat plane while staying stiff vertically. Electronics makers, medical device assemblers, and small parts packers rely on SCARAs for screw driving, insertion, and pick and place work. They take up little floor space and cost less than a comparable articulated arm. Look at cycle time, reach, and whether the model supports the vision and conveyor tracking your process needs.

  • 03

    Delta Robots

    Delta robots hang from an overhead frame and use three lightweight parallel arms to pick items at very high speed. Food, pharmaceutical, and consumer goods packagers use them to pull products off a moving conveyor and place them into trays or cartons. Buyers should look at picks per minute, washdown rating for food environments, and how well the robot pairs with a vision system. Because delta cells are usually tightly integrated, many owners buy them new with a full integrator package.

  • 04

    Collaborative Robots

    Collaborative robots, often called cobots, are built to work near people with built in force limiting and simpler safety requirements, based on a proper risk assessment. Machine shops, contract packagers, and small manufacturers love them because staff can teach new tasks by moving the arm by hand or using a tablet interface. Payloads are lighter than traditional arms, so check your part weights carefully. Cobots hold value well, and the used market is growing as early adopters upgrade.

Why Finance Industrial Robots Instead of Paying Cash

A robot cell can start earning on day one, while payments stretch across its working life. That keeps your cash free for raw material, tooling, and the unexpected repair that always seems to arrive at the wrong time.

Financing also leaves your bank lines untouched for seasonal swings or a big order. If a second or third cell makes sense after the first proves itself, you can add capacity sooner instead of waiting to save up. Robots may also qualify for Section 179 deductions; check with your tax professional.

What Your Financing Can Include

Depending on the lender, your agreement can cover more than the arm and controller:

  • End of arm tooling such as grippers, vacuum cups, and tool changers
  • Pedestals, bases, and linear tracks
  • Safety fencing, light curtains, and area scanners
  • Programming, integration, and commissioning
  • Operator and maintenance training
  • Offline programming and simulation software
  • Freight, rigging, and installation

Programs That Work Well for Industrial Robots

  • Program

    Equipment Loan

    Usually carries the strongest incentives for paying off early, though the details depend on the lender, if the cell pays for itself quickly.

  • Program

    Fair Market Value (FMV) Lease

    Lower payments and the flexibility to upgrade, a good match if you expect to move to a newer cobot platform later.

New Business or Established, We Can Help

Startups can finance robots from day one, which helps new contract manufacturers compete with established shops. Established plants can add cells one at a time or finance a full line. Explore more options on our robotics and automation financing page, or see how others finance robotic welding systems.

What You'll Need

Requests under $150K can often be approved on the application alone. Larger projects may call for financial statements, which can also strengthen your offer. Funding often finalizes with a driver's license and the robot invoice or integrator quote.

Frequently Asked Questions

Still have a question?

Talk to a real person. We're happy to walk you through your options.

Can I finance a cobot if I'm integrating it myself?

Yes. Many lenders finance a cobot bought directly from a distributor, even when your own team handles setup. Include any grippers, pedestals, and software on the invoice so they can be part of the agreement, depending on the lender.

Do lenders finance used industrial robots?

Many do. Lenders typically want to know the brand, model, age, and seller. Units from established refurbishers with testing records and a warranty tend to be the easiest to finance.

Which robot type is right for my application?

It depends on payload, reach, speed, and whether people work nearby. Articulated arms handle heavy, varied tasks, SCARAs and deltas excel at fast light picking, and cobots fit shared workspaces. Your integrator or robot distributor can help you narrow it down before you apply.

Can I finance several robots at once?

Yes. You can bundle multiple robots and their tooling into one application, which keeps paperwork simple and lets lenders see the full project.

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