MEAT PROCESSING
Meat equipment financing for butcher shops and processors
Meat processing equipment works as a chain, and the slowest machine sets the day. We finance saws, grinders, slicers, stuffers, tumblers, smokehouses, walk-in coolers and packaging when the order comes to $10,000 or more, as a lease or as an equipment finance agreement, the loan-style option.
One small machine, or a full order?
Transactions start at $10,000, and a countertop slicer or small grinder usually costs less than that. A single small unit does not qualify on its own.
A bundle or a line does. A saw, grinder and slicer bought together, a stuffer with a smokehouse, or a small machine added to a walk-in cooler or packaging order qualifies when the total comes to $10,000 or more.
What we finance
New or used, from any dealer, auction or private seller. Named makes are examples of what this covers, not a limit, and we are not affiliated with any manufacturer. If what you need is not on this list, ask.
- Band saws and bone saws — Hobart, Biro, Butcher Boy
- Meat grinders, mixer grinders and mixers
- Countertop slicers and small grinders, in a bundle or line
- Patty formers, portioning machines and forming lines
- Bowl choppers, emulsifiers and flakers
- Vacuum tumblers, massagers and brine injectors
- Sausage stuffers and linkers — Handtmann, Vemag, Risco
- High speed portion slicers — Bizerba, Weber
- Smokehouses, ovens and cook tanks — Alkar, Maurer
- Blast chillers, spiral freezers and plate freezers
- Vacuum packers, thermoformers and tray sealers
- Metal detectors, X-ray inspection and checkweighers
- Stainless tables, rail systems, carts and walk-in coolers
Why lease it
01
The slowest machine sets the day
Adding a faster grinder in front of the same old stuffer moves nothing. Financing the line as a line lets throughput change, and that is what pays for it.
02
Cold storage goes on the same agreement
Walk-in coolers, blast chillers, stainless tables and rail systems can share an agreement with the production machines, along with installation and other soft costs.
03
Used equipment is a real market in this trade
Plants close and lines get replaced, so used and rebuilt machines come up often. We pay the dealer, auction or seller directly, so an auction buy finances the same way a dealer buy does.
Meat equipment financing by machine type
Band saws and bone saws
Floor-model saws for breaking down primals and cutting bone-in product. A smaller saw usually goes on an order with a grinder or slicer to reach $10,000.
Grinders and mixer grinders
Floor-standing grinders, mixer grinders and mixers for ground product and sausage. A small countertop grinder needs a bundle. A production mixer grinder is usually financed with the stuffer or forming line it feeds.
Slicers and portioning
A countertop deli slicer goes in a bundle. High speed portion slicers, patty formers and portioning machines are production equipment, financed alone or with the line around them.
Stuffers and linkers
Vacuum stuffers and linkers for sausage production, from a shop unit to an automatic line, often on one agreement with the grinder ahead of them and the smokehouse after them.
Tumblers and injectors
Vacuum tumblers, massagers and brine injectors for marinated and cured product, usually bought with the cook and chill steps that follow them.
Smokehouses and ovens
Smokehouses, ovens and cook tanks, with the electrical, venting and installation they need written into the same agreement.
Walk-in coolers and freezers
Walk-ins, blast chillers and freezers for the cut floor and finished goods. More on commercial refrigeration financing.
Packaging
Vacuum packers, thermoformers, tray sealers, labelers and checkweighers at the end of the line. More on packaging equipment financing.
What sets the payment on meat equipment
Four things decide the monthly number. To see a range before you talk to anyone, use the equipment lease calculator.
The whole order
The machines plus freight, electrical, installation and other soft costs. Including the soft costs makes the amount larger but keeps that cash in the business.
The term
Terms run from 24 to 60 months. A longer term lowers the payment. A shorter term costs more each month and less in total.
The end-of-term option
A fair market value lease has a lower payment and lets you return or upgrade. A $1 buyout lease or an equipment finance agreement costs more each month, and you own the equipment at the end.
The business applying
Time in business, credit history and the size of the transaction. Up to $150,000 is usually decided on a one-page application without financial statements.
Meat equipment loan or lease?
Equipment finance agreement
The loan-style option. You make fixed payments over the term, and the equipment is yours at the end.
$1 buyout lease
A lease with fixed payments that ends with the equipment yours for $1. It suits a saw, smokehouse or walk-in you expect to keep for years.
Fair market value lease
A lower payment, with the choice to return, upgrade or buy at the end. It suits equipment you expect to replace as volume grows.
Which one fits?
If you are searching for a meat equipment loan, you probably want to own the machines at the end, so start with an equipment finance agreement or a $1 buyout lease. The equipment lease vs. loan guide walks through the differences. Your accountant should confirm the tax treatment.
Butcher shop, processor or plant
Butcher shops and meat markets
A saw, grinder, slicer and walk-in bought as one order. A new shop is considered on the owner's personal credit and experience. See startup equipment financing.
Small processors
Stuffers, tumblers, smokehouses and vacuum packers for sausage, jerky and smoked product, from several vendors on one agreement. Up to $150,000 is usually decided on a one-page application.
Processing plants
Forming lines, spiral freezers, inspection and packaging, including used lines from a plant that is closing. See food processing equipment financing and used equipment financing.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 822-3017. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Meat equipment financing questions
Do you offer meat equipment loans?
Yes, in the form of an equipment finance agreement, which works like a loan: fixed payments over the term, and the equipment is yours. A $1 buyout lease ends the same way. Transactions start at $10,000. Your accountant should confirm the tax treatment.
Can I finance meat processing equipment?
Yes, when the order comes to $10,000 or more. Saws, grinders, slicers, stuffers, tumblers, smokehouses, walk-in coolers and packaging equipment are financed new or used, from any dealer, auction or private seller, on one agreement.
Can I finance a single meat slicer or small grinder?
Not on its own. A countertop slicer or small grinder usually costs under $10,000, and transactions start at $10,000. A bundle or line that totals $10,000 or more does qualify, such as a slicer, grinder and saw bought together, or a small machine added to a walk-in cooler order.
How much does it cost to lease a commercial meat grinder or smokehouse?
The payment depends on the total cost of the equipment and installation, the term of 24 to 60 months, the end-of-term option and the business applying. Send the vendor's quote through the form on this page and we return payments for each term, usually the same business day.
Can a butcher shop finance equipment without financial statements?
In most cases, yes. Up to $150,000 is usually decided on a one-page application without financial statements, which covers most butcher shop and small plant purchases.
Do you finance used or rebuilt meat processing machines?
Yes. Used and rebuilt machines from a dealer, another plant or an auction finance the same way as new, and we pay the seller directly.
Can a new butcher shop get meat equipment financing?
Startups are considered on the owner's personal credit and experience. The saw, grinder, slicer, walk-in cooler and installation can go on one agreement, as long as the total comes to $10,000 or more.
Can a walk-in cooler go on the same agreement as the meat equipment?
Yes. Walk-in coolers and freezers, blast chillers, stainless tables and installation can go on one agreement with the production machines, even when they come from different vendors.
Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.