Business funding for manufacturers
Large orders need raw materials and labor months before the customer pays. Funding that matches your production cycle lets you say yes to growth.
How cash flows in manufacturing
Manufacturers carry inventory at every stage, from raw materials through work in progress to finished goods, while customers pay on net 30 to 90. Winning a large order can strain cash more than losing one, and equipment upgrades are large, lumpy investments.
What we look at
- Deposits and customer concentration
- Order backlog and contracts
- Existing equipment loans
- Time in business and ownership
Minimums: about $50,000 a month in revenue and one year in business. Larger requests are reviewed case by case.
Common situations
A large purchase order
Buy materials and run production before the customer pays.
New machinery or a line upgrade
Finance it against the equipment, over its useful life.
Expanding the facility
Term loans and real estate financing for space and capacity.
Smoothing receivables
A line of credit for the gap between invoice and payment.
Funding that fits
Your advisor recommends the structure; you choose, with every cost in writing.
Manufacturing: questions owners ask
Can funding be tied to a purchase order?
The review looks mainly at deposits, but a confirmed order supports the request. Include it when your advisor asks.
Do you finance used machinery?
Often, yes, usually with a shorter term.
What do I need to apply?
To start: amount, monthly revenue and time in business, with no documents and no SSN. To get your offer: your last four months of business bank statements.