Who we fund
Manufacturing Loans for Machinery, Raw Materials, and Large Orders
Yes, small manufacturers can get funding, and the equipment and receivables most manufacturers already have often help them qualify. Typical needs are new machinery, raw materials for large orders, and cash to bridge net-30 to net-90 customer terms.
Get matched: manufacturing
The reality
Cash-flow challenges we hear every day.
Buying raw materials before a big order ships
Landing a large order means buying steel, resin, components, or packaging upfront. The customer pays only after the product is made, shipped, and invoiced.
Long payment terms from larger customers
Distributors, OEMs, and big-box buyers often pay on net-60 or net-90 terms. Growing sales with these customers can make cash tighter, not looser.
Capital-intensive machinery
CNC machines, injection molders, presses, and automation cells are major purchases. Older machines also mean more downtime and repair spend.
Raw material price volatility
Metals, plastics, and lumber can change in price quickly, which squeezes margins on fixed-price contracts and makes stocking up attractive but cash-heavy.
Best-fit funding
Funding that fits manufacturing.
Production machinery holds value and can secure its own financing, which lets you add capacity or automation without draining working capital.
$10K–$5M‡2–5 days*Factoring invoices from creditworthy business customers turns net-60 or net-90 receivables into cash you can use for the next production run.
$10K–$5M‡1–3 days*A line of credit funds raw materials for each order and is repaid when the customer pays, matching the cycle of a job shop or contract manufacturer.
$10K–$500K‡1–3 days*SBA loans, including 504 loans, can fund a facility purchase or a major equipment package with long repayment terms.
$50K–$5M‡30–90 days*What lenders look for
Typical profile for manufacturing.
Lenders often review financial statements, accounts receivable aging, customer concentration, and the condition and value of existing equipment. Having a few large, creditworthy customers helps with factoring but heavy reliance on one buyer can raise questions.
Common uses of funds
- Buying CNC machines, presses, or molding equipment
- Purchasing raw materials for a large order
- Bridging net-60 and net-90 customer payment terms
- Adding automation or robotics to increase output
- Buying or expanding a production facility
- Getting certifications required by new customers
How do I finance a large purchase order I cannot afford to fill?
Purchase order financing, a line of credit, or factoring the resulting invoice are common approaches. Some lenders pay your supplier directly and get repaid when the customer pays.
Can I use existing equipment as collateral?
Yes, some lenders offer equipment-backed loans or sale-leaseback arrangements using machinery you already own. An appraisal is usually required.
Does customer concentration affect my application?
It can. If one customer makes up most of your revenue, lenders may see more risk, though factoring companies may be comfortable if that customer has strong credit.
Are SBA 504 loans used for manufacturing equipment?
Yes, SBA 504 loans can finance long-lived machinery and real estate. They are generally for fixed assets rather than working capital.
Funding for manufacturing, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor