Industries
Business Funding for Manufacturing
Machinery, raw materials, and large-order fulfillment — capital that arrives before the deposit does.
- No upfront fees
- Soft credit pull
- All 50 states
Common Scenarios
Why manufacturing businesses call us
A purchase order three times your usual size
The order is real and the customer is good, but steel, resin, or components have to be bought and a shift has to be staffed before you can invoice anything. Working capital funds the build so you don't have to decline the growth.
Replacing or adding a machine to win tighter work
A newer CNC, press, or laser opens tolerances and lead times your current floor can't hold. Equipment financing puts it in the shop against the contracts it will win.
Material prices move after you quoted the job
The quote is signed and the input cost isn't what it was. Short-term capital covers the difference so the run gets built on schedule instead of renegotiated.
Funding That Fits
Which option usually fits — and why
Listed in the order they most often come up for this industry. Most files end up using one; some use two together.
Qualifying
What you'll need
- Six or more months operating with revenue in the account
- Roughly $10,000+ per month in deposits
- A business bank account, not a personal one
- Purchase orders or signed customer contracts strengthen the file
- An equipment quote, invoice, or bill of sale for equipment financing
- Financial statements and a debt schedule for larger term requests
How Lenders Read It
Manufacturing runs the longest cash conversion cycle of any industry on this list — money leaves for material and labor months before an invoice is paid. Lenders account for that, but they compensate by looking hard at deposit consistency and at whether the order book behind the request is credible and documented.
See the full processFAQ
Questions from manufacturing owners
Do you fund against purchase orders?
Revenue-based working capital is sized off deposits rather than against a specific PO, and it often solves the same problem faster. If dedicated purchase-order finance is genuinely the better structure for your situation, your advisor will tell you.
Can I finance used machinery?
Yes, and it's common in manufacturing. Age, hours, make, and whether it's a dealer or private sale all affect term and pricing, so send the specifics early rather than a general description.
What about tooling, rigging, and installation?
Those are usually soft costs and don't fit inside an equipment loan. Most shops cover them with working capital or fold them into a term loan. Worth planning for at the start — installation on a large machine is rarely a small number.
More questions? Read the full FAQ
Funding for your manufacturing business.
One application, real offers to compare, and no fee unless your business is funded.