What is Manufactor Finance?

Manufactor Finance is a US-based business consulting service that helps manufacturers access the right funding program — invoice factoring, equipment financing, purchase order financing, working capital, and more — matched to how your shop actually runs. No equity required.

Are you a lender or a bank?

No. We are not a bank, private equity firm, direct funder, investor, or lender. We sit in the consultant seat and place your file with the institution that fits your needs.

No application, origination, or closing fees. Our funding partners fairly compensate us for our part only after you actually receive your funds — nothing additional is required from you.

How fast can I get funded?

It depends on the program. Factoring can fund within days of account setup; equipment financing and working capital are often days to a couple of weeks; SBA and larger term loans take longer. We tell you the real timeline up front.

What kinds of funding programs do you place?

We place invoice factoring, equipment financing, purchase order financing, working capital loans and revolving lines of credit, asset-based lending (ABL), and SBA 7(a) and 504 loans. Most manufacturers end up on a stack of two — for example, factoring plus equipment financing — matched to how your shop actually runs.

Who qualifies to work with Manufactor Finance?

US-based manufacturers, co-packers, fabricators, and industrial shops. Program fit varies — factoring and PO financing work for newer shops and for owners with credit challenges because underwriting leans on your customers' credit; equipment, working capital, and SBA generally look for at least a year in business and consistent revenue. If we can't place you today, we'll tell you what to fix so you can come back.

Do you share my information with your funding partners?

Yes — but only with the specific funding institutions we match you to, and only after you explicitly consent on the application. We never sell your information to third parties or lead marketplaces. Full details are in our Privacy Policy, and the consent checkbox on every application spells out exactly what you're agreeing to.

Proudly supporting American Manufacturing

Funding built for Manufacturers.Cash flow, equipment, and growth — on your terms.

Turn unpaid invoices into cash, finance the equipment you need, and fund the big POs that grow the shop. We match you with the right program from the right institution — factoring, equipment finance, PO finance, working capital, and more.

Apply. Fund. Deliver.

Start a Quick App Call (844) 623-1234

Start the conversation

Send us a note. A specialist will email you back — usually same business day — and we'll keep the thread open as long as you need. No pressure, no obligation, no fees to you. A call is only required later, before funding.

Your name

Company

Phone (optional)

Adding a phone triggers a second consent checkbox for SMS & AI-assisted calls.

What are you looking to do?

How much do you need?

How soon?

Anything else we should know? (optional)

Consent & disclosures (required — click to review)

Required — Contact & privacy consent. I give Manufactor Finance permission to contact me about my inquiry and, if it's a fit, to share my information with a vetted funding partner so they can help place my file. I've read and agree to the Privacy Policy and Terms of Use. See our Privacy Policy and Terms of Use.

No phone number provided — we'll reply by email only. Add a phone above if you'd also like a call or text.

Optional — Marketing updates. Send me occasional updates about funding programs and manufacturing resources. I can unsubscribe any time.

Manufactor Finance is a business consulting and referral service — not a bank, lender, private equity firm, or investor.

By sending, you confirm the required consent checkboxes above.

Proud Partner

American Manufacturing Association

Connecting US manufacturers with the capital and community they need to grow.

Visit AMFGA

We commit 25% of every dollar we earn to the American Manufacturing Association — keeping capital in the community.

12+

Manufacturing niches served

Funding programs

US states covered

Equity ever required

The plan to get the funding you need

Start with a quick app or a phone call. From there we handle the placement so you know exactly what your program requires — before anything long.

1
Quick App or Call
Free, no obligation. Tell us the basics so we can start the placement process.
2
Placement
We identify the institution and program that fits your business — at no charge.
3
Full Application
You submit docs to that institution for underwriting. We help you package it clean.
4
Offer & Terms
Review your offer(s), pick the terms that work, sign, get funded, and get back to work.

See the full 8-step process

Delayed customer payments shouldn't decide what you can produce.

Manufacturers face tight margins, rising costs, and customers who pay on net-60 or net-90. When cash flow is stuck in invoices, production, payroll, and growth all stall. You shouldn't have to choose between waiting on payment and staying competitive.

Missed production targets
Materials paid for; cash waiting on your customer.
Unfulfilled orders
Big POs turned down because working capital is tapped.
Delayed equipment upgrades
Capacity limits growth while machines age.
Lost customers to competitors
Others can deliver on time; you can't afford to wait.

Funding programs built around how manufacturers actually run

We lead with invoice factoring — usually the fastest path to cash on work you've already delivered — and place you into whatever program fits best.

All programs

Invoice Factoring

Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.

Equipment Financing

Finance new or used machinery, CNC, robotics, and production lines.

Purchase Order Financing

Get the capital to fulfill large customer orders without straining cash flow.

Asset-Based Lending (ABL)

Revolving lines secured by receivables, inventory, and equipment.

Working Capital

Short-term capital to bridge payroll, materials, and growth spikes.

SBA & Term Loans

Longer-term, lower-cost capital for growth, real estate, or acquisitions.

Built for the sub-niches of manufacturing

We work with lenders and structures that fit how your specific industry runs.

Beverage bottling line in a US food and beverage manufacturing plant — Beverage bottling line

Cleanroom technicians in bunny suits assembling devices in a US medical device manufacturing facility — Cleanroom device assembly

CNC machining center and welder in a US metal fabrication shop — CNC machining and welding

Injection molding press with robotic part removal in a plastics manufacturing plant — Injection molding press

5-axis CNC machining an aerospace aluminum bracket with a US flag in the background — 5-axis aerospace machining

Robotic stamping line producing automotive body parts in a US plant — Robotic stamping line

Rows of industrial sewing machines in a US cut-and-sew apparel factory — Industrial sewing floor

SMT PCB assembly line with ESD-smocked technicians in a US electronics manufacturing plant — SMT PCB assembly line

Operator in hard hat inspecting stainless reactor vessels in a US chemical manufacturing plant — Stainless reactor vessels

Corrugated flexo printing press running printed brown sheets in a US packaging manufacturing plant — Corrugated flexo press

US industrial machinery manufacturing plant with overhead cranes and heavy equipment on the floor — Heavy equipment plant floor

Operator at a filling line dispensing lotion bottles in a US cosmetics and personal care manufacturing plant — Cosmetic filling line

What the actual timeline looks like

No 60-second miracle. Real timing, from first call to funds in the account.

Day 0
Step 1
Start the conversation
Send a note or call. No obligation.
Day 0–1
Step 2
Placement
We identify the right program & institution.
Day 1–3
Step 3
Secure application
We email you a secure app tailored to your program.
Day 3–7
Step 4
Underwriting
The institution reviews your file.
Day 5–10
Step 5
Offer(s)
Review terms side-by-side.
Day 7–12
Step 6
Sign
You sign directly with the institution.
Day 8–14
Step 7
Funds Land
Money hits the account.
Ongoing
Step 8
Back to Work
Build, ship, grow.

Timelines are typical ranges — factoring often funds faster; SBA/term loans often take longer.

Honest ballpark ranges

No teaser rates. Anyone promising a specific number before seeing your file is guessing. Here's the honest range each program tends to price and fund in — your actual offer depends on your customers, credit, revenue, and industry.

Program	Advance / Size	Typical Cost	Speed to Fund	Best For
Invoice Factoring	80–95% of invoice	~1–3.5% per 30 days	3–10 days to first fund	Slow-paying commercial/gov customers
Equipment Financing	Up to 100% of cost	~7–18% APR (credit-driven)	5–15 business days	Buying/replacing machinery
PO Financing	Up to 100% of supplier cost	~2–6% per 30 days	2–4 weeks	Large POs from strong buyers
Working Capital	$25K–$5M	Factor rates or APR — varies	2–7 business days	Short-term gap coverage
Asset-Based Lending	Up to 85% AR + 50% inventory	~SOFR + 3–8%	3–8 weeks	$5M+ ledger, sustained borrowing
SBA / Term Loan	Up to $5M	~Prime + 2.75–4.75%	45–120 days	Long-term, real estate, expansion

Take the 60-second fit quiz

Ranges are directional. Your placement report will show real terms specific to your file.

Am I a fit?

10-second prequalifier

If most of these describe your shop, we can almost certainly place you into a program.

US-based manufacturer
You produce goods in the United States.
B2B or B2G customers
You invoice other businesses or government agencies — not consumers.
$25K+ in monthly revenue
Or a confirmed purchase order that gets you there.
Net-15 to net-90 terms
Your customers pay on invoice terms, not COD.

Start the quick app

Not sure? We'll tell you honestly — no fees to you either way.

Ready to keep production moving?

Start with a quick app or a phone call. We'll tell you exactly what the right program requires—at no charge.

Start the Conversation Call (844) 623-1234

Apply. Fund. Deliver. — No obligation.

AI-assistedDepending on live availability, calls may be answered by Mary, our AI Assistant, who takes a message and books a callback. Or email us instead.