Manufactor Finance: 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.
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
50
US states covered
0%
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 you commit to 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.
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
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.
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 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 and 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 |
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.
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.
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.
Frequently Asked Questions
Manufactor Finance is a US-based independent commercial finance broker 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 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.
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 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.
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.
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.