Manufacturing
Bridge the gap between production costs and payment. Fund materials, meet payroll, and take on larger orders, without the cash flow squeeze.
Capital that understands manufacturing cycles and moves at production speed.
The challenge
You run a production floor, manage raw material procurement, schedule production runs, and deliver finished goods. The operational side works. The cash flow side does not.
A $300K production run requires $180K in raw materials on Net 15 terms, $60K in labor costs across two pay periods, and $30K in overhead before the first invoice goes out. The customer pays Net 60. That is 75 days of capital invested before a dollar returns. Multiply by five concurrent jobs, and you have $500K or more tied up in work-in-process inventory, finished goods awaiting shipment, and outstanding receivables.
Your Costs Are Upfront
Your Revenue Comes Later
The result
You're profitable on paper but cash-flow constrained in reality. You have the work but lack the working capital to fund it. Growth opportunities pass you by because you can't finance the upfront costs.
Sound familiar?
You secured a $300K order, but need to buy materials and fund 60 days of production before the customer pays.
You have 5 active projects running simultaneously, each with different timelines and payment schedules. Cash is tied up everywhere.
A Fortune 500 company wants to buy from you, but requires Net 90 terms. You need working capital to fulfill their orders without waiting 3 months for payment.
Automation or new machinery would improve efficiency and reduce costs, but you don't want to drain working capital for a large equipment purchase.
Your supplier offers a 15% discount for a large material order, but it would tie up $100K in inventory capital.
Q4 ramp-up requires significant inventory build and labor costs, but revenue doesn't hit until Q1.
Solution Seasonal facilities provide increased capacity when you need it, scaling back in slower months. Flexible capital that matches your production cycle.
The toolkit
Different manufacturing challenges require different financing tools. Here's what works best for the situations manufacturers face:
Credit line against your entire receivables portfolio. Similar to factoring but structured differently, good for manufacturers wanting more control over customer relationships.
Learn moreSpecialized solution for manufacturers with weekly/bi-weekly payroll needs and longer customer payment cycles. Ensures consistent payroll funding.
Learn moreIn practice
Precision Parts Manufacturer
Electronics Manufacturer
Industrial Equipment Manufacturer
Contract Manufacturer
Tell us a little about your production cycle, order sizes, and customer terms and we'll come back with real numbers: facility size, rates, and timeline.
Same-day preliminary answer
The difference
Unlike service businesses, manufacturers must invest in materials and labor weeks or months before invoicing. Traditional lenders don't always understand or accommodate this timing reality.
Raw materials, work-in-process, and finished goods tie up significant capital. Banks often undervalue inventory as collateral. We understand inventory's role in manufacturing and finance accordingly.
Many manufacturers rely on a few large customers (Fortune 500 companies, government, major distributors). Banks get nervous about concentration. We understand this is how manufacturing works.
Manufacturing requires significant capital equipment investment. We finance both working capital AND equipment needs, understanding they work together to drive production capability.
Fast-growing manufacturers often hit bank lending limits quickly. We provide flexible capital that scales with production, not artificial credit limits.
Who we serve
Parts, components, assemblies. Financing for materials, production cycles, and customer payment timing.
Common needs PO financing, invoice factoring, equipment leasing
Food, chemicals, materials. Financing for ingredient/raw material purchases and production runs.
Common needs Inventory financing, ABL, working capital facilities
Build-to-spec for OEMs. Financing for concurrent projects with multiple customers.
Common needs ABL facilities, invoice factoring, equipment financing
Job shop, made-to-order. Financing for project-based cash flow and specialized equipment.
Common needs Invoice factoring, equipment financing, flexible facilities
Large production runs, thin margins. Financing for inventory builds and working capital efficiency.
Common needs ABL, inventory financing, supplier payment optimization
Getting started
Tell us about your manufacturing operation, typical order sizes, customer payment terms, and what you're trying to accomplish. We'll discuss which financing solutions make the most sense for your situation.
Provide information about your business, customers, typical invoices or orders, and current financials. We'll need to understand your production cycle and cash flow patterns.
We'll review your customer creditworthiness (for factoring/AR solutions) or your financial position (for ABL/equipment). This isn't as intensive as bank underwriting. We move fast.
If approved, we'll provide clear terms showing how the facility works, what you'll receive, and how the financing structure operates. Plain language, transparent pricing.
Complete documentation and receive first funding. For working capital solutions, subsequent funding typically within 24 hours. For equipment financing, 1-2 weeks depending on equipment.
Typical timeline: Most manufacturers are funded within 3-7 business days for working capital solutions, 2-3 weeks for equipment financing.
Common questions
Absolutely. In fact, creditworthy customers (including government and large corporations) make financing easier because we're confident in payment. We understand that customer concentration is common in manufacturing.
Perfect fit. Asset-based lending or AR financing works well for contract manufacturers with diverse customer bases. As you add customers and increase production, your available capital grows automatically.
Yes, we can finance inventory as part of an asset-based lending facility. This is especially useful for manufacturers who need to build inventory ahead of customer demand or want to capture bulk purchasing discounts.
Yes. Many manufacturers need both. We can structure combined solutions, equipment financing for machinery plus working capital financing for operations. This covers machinery and operations under one relationship instead of juggling multiple lenders.
Common situation. Banks often hit lending limits with growing manufacturers or get uncomfortable with customer concentration, inventory levels, or rapid growth. We look at different criteria and can often help where banks can't.
For working capital (PO or factoring), typically 3-7 business days from initial contact to funding. If we're already working together, subsequent funding happens within 24 hours of submitting invoices or orders.
Depends on the structure. Whole-ledger factoring (all invoices) typically gets better rates. Spot factoring (select invoices) offers more flexibility but costs more. We'll explain both options and help you decide.
For invoice factoring, typically yes (notification factoring). For ABL, customers usually aren't directly notified. For PO financing, suppliers are paid directly by us. For equipment financing, customers aren't involved at all. We'll explain the details for each solution.
Similar cash flow challenges, inventory costs vs. customer payment timing. Specialized solutions for distributors.
Learn moreProgress payments, retainage, and mobilization funding. Financing built for contractors.
Learn moreContract mobilization, AoC financing, and managing federal payment timing.
Learn moreWhether you're funding a large order, managing growth, or acquiring equipment. We understand manufacturing and can help. Let's discuss your specific situation and find the right financing solution.
One working-capital decision every other week. Which asset to borrow against, what a facility costs all-in, or how to make payroll before your customer pays, in a two-minute read.
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