Manufacturing is capital-intensive from every angle — expensive machinery, raw materials bought up front, and customers who pay 30 to 90 days after you ship. Manufacturing business loans keep production moving and let you say yes to bigger orders without a cash crunch.
What manufacturers fund
- Machinery & equipment — CNC, production lines, automation and tooling.
- Raw materials — buy in bulk to fulfill orders and capture discounts.
- Large orders — fund the materials and labor for a big contract.
- Bridging receivables — cover costs while customers pay on net terms.
- Expansion — add capacity, a shift, or a new facility.
Funding options
Equipment financing for machinery with low or no money down. Working capital and purchase order funding for large orders and materials. Invoice financing to bridge slow-paying customers. A no-cost advisor finds the right mix.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | As little as 4 months (equipment: no minimum) |
| Monthly revenue | $10,000+ in deposits |
| Credit score | No minimum on many programs |
| Documents | 1-page application + bank statements |
Frequently asked questions
How do manufacturers get financing?
Equipment financing for machinery, working capital and PO funding for orders, and invoice financing to bridge customers — many with no minimum credit score.
How do I fund a large order?
Purchase order and working capital financing cover materials and labor, repaid once you invoice and get paid.
Can I finance machinery with bad credit?
Often yes — equipment financing is secured by the machinery, so approval is more flexible.