Manufactor Finance: funding built for manufacturersCash 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. Our team matches you with a funding partner for factoring, equipment finance, PO finance, working capital, and more.
Apply. Fund. Deliver.
Not sure which program fits? Read the manufacturing financing guide or compare manufacturer loans first.
Preferred Partner
American Manufacturing Association
Connecting US manufacturers with the capital and community they need to grow.
We commit 25% of every dollar we earn to American Manufacturing Association. The organizations are independent, and AMFGA does not underwrite, approve, price, endorse, or guarantee funding offers.
12+
Manufacturing niches served
6
Funding programs
49
US states covered
0%
Equity ever required
The plan to get the funding you need
Start with a request, call, or chat. Our team reviews it and looks for a funding partner that fits. Timing after the match is set by the funding partner. Factoring often moves faster, and SBA and term loans often take longer.
- 1Day 0
Start the conversation
Send a request, call, or chat. No obligation.
- 2Day 0–1
We match
Our team reviews your request and looks for a funding partner that fits.
- 3Partner's timeline
Partner contact
If a partner thinks they can help, a specialist from that partner contacts you to discuss next steps.
- 4Partner's timeline
Secure application
The partner sends its own secure application.
- 5Partner's timeline
Underwriting
The partner reviews your file.
- 6Partner's timeline
Offer
The partner presents its offer, rate, terms, and total cost in writing.
- 7Partner's timeline
Sign and fund
If you accept, you sign directly with the partner, and the partner funds it.
- 8Ongoing
Back to work
Build, ship, grow.
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.
Invoice Factoring
Explore turning unpaid invoices into working capital instead of 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 funding partners whose structures fit how your industry runs
Food & Beverage Manufacturing
Funding for co-packers, private label, bakeries, beverage, and specialty food producers
Medical Device Manufacturing
Capital for FDA-registered device makers, contract manufacturers, and component suppliers
Metal Fabrication
Funding for job shops, structural fab, precision machining, and CNC operations
Plastics & Injection Molding
Capital for injection molders, extrusion, thermoforming, and mold makers
Aerospace & Defense Manufacturing
Funding for tier-1/2/3 aerospace suppliers, machine shops, and defense contractors
Automotive & Transportation Manufacturing
Capital for tier suppliers, EV component makers, and specialty vehicle builders
Textile & Apparel Manufacturing
Funding for cut-and-sew, technical textiles, and private-label apparel producers
Electronics & Electrical Manufacturing
Capital for EMS providers, PCB assembly, and electrical component makers
Chemical Manufacturing
Funding for specialty chemical, coatings, adhesives, and formulation producers
Packaging Manufacturing
Capital for corrugated, folding carton, flexible packaging, and label converters
Industrial Machinery & Equipment
Working capital and equipment financing for OEM machine builders, integrators, and heavy equipment manufacturers
Cosmetics & Personal Care
Funding for beauty, skincare, haircare, and personal care contract manufacturers and private-label producers
What the actual timeline looks like
No 60-second miracle. Real steps, from your first message to the partner's decision.
- Day 0
Step 1
Start the conversation
Send a request, call, or chat. No obligation.
- Day 0–1
Step 2
We match
Our team reviews your request and looks for a funding partner that fits.
- Partner's timeline
Step 3
Partner contact
If a partner thinks they can help, a specialist from that partner contacts you to discuss next steps.
- Partner's timeline
Step 4
Secure application
The partner sends its own secure application.
- Partner's timeline
Step 5
Underwriting
The partner reviews your file.
- Partner's timeline
Step 6
Offer
The partner presents its offer, rate, terms, and total cost in writing.
- Partner's timeline
Step 7
Sign and fund
If you accept, you sign directly with the partner, and the partner funds it.
- Ongoing
Step 8
Back to work
Build, ship, grow.
Timing after the match is set by the funding partner. Factoring often moves faster, and SBA and 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 |
Ranges are directional. Your referral 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
Not sure? We'll tell you honestly — no fees to you either way.
Ready to keep production moving?
Start with a quick inquiry or a phone call. We'll tell you exactly what the right program requires. At no charge.
Apply. Fund. Deliver. No obligation.
AI-assistedCalls, texts, and chats may be answered by Mary, our AI assistant, who takes your details and passes your request to our team. Or email us instead.
Frequently Asked Questions
Manufactor Finance is a US-based independent business financing referral 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.
No. We are not a bank, private equity firm, direct funder, investor, or lender. We are an independent business financing referral service, and we refer your inquiry to funding partners that fit your needs.
No application, origination, or closing fees. In most states, funding partners pay us when an account funds or activates; in California and Missouri they instead pay a fixed fee per inquiry, whether or not you are funded. Either way, you pay us nothing.
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.
We refer 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.
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 refer you today, we'll tell you what to fix so you can come back.
In most states, we share your information only with the funding partner we match you to, after you consent, never with random marketplaces or unrelated third parties. In California and Missouri, we're paid a fixed fee to transfer your inquiry to a funding partner, which counts as a sale or sharing of personal information under state privacy law; you can opt out any time, see our Do Not Sell or Share link. Full details are in our Privacy Policy, and every application spells out exactly what you're agreeing to.