How it works
No 60-second miracle. Real steps, from your first message to the partner's decision.
- 1
Start the conversation
Day 0Send a request, call, or chat. No obligation.
- 2
We match
Day 0–1Our team reviews your request and looks for a funding partner that fits.
- 3
Partner contact
Partner's timelineIf a partner thinks they can help, a specialist from that partner contacts you to discuss next steps.
- 4
Secure application
Partner's timelineThe partner sends its own secure application.
- 5
Underwriting
Partner's timelineThe partner reviews your file.
- 6
Offer
Partner's timelineThe partner presents its offer, rate, terms, and total cost in writing.
- 7
Sign and fund
Partner's timelineIf you accept, you sign directly with the partner, and the partner funds it.
- 8
Back to work
OngoingBuild, ship, grow.
Timing after the match is set by the funding partner. Factoring often moves faster, and SBA and term loans often take longer.
The process — FAQs
For the faster programs, funds typically land 8 to 14 days after the first conversation. Equipment financing runs 5 to 15 business days, PO financing 2 to 4 weeks, asset-based lending 3 to 8 weeks, and SBA or term loans 45 to 120 days. The biggest variable is how complete your file is when underwriting starts.
A quick inquiry or a phone call. No documents are required for the first conversation. If it moves forward, the funding partner's own secure application asks for items like 3 to 6 months of bank statements, current financials, an A/R aging report, ownership details, and documentation of what the money is for.
The quick inquiry is not a loan application and we do not underwrite your file. If a funding institution needs to pull credit during underwriting, we tell you before it happens.
You sign directly with the funding institution. We stay in an independent referral role from the first call through funding, and we charge you no application, origination, arrangement, or advance 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. Our compensation never comes out of your pocket.
A decline from one institution is not the end of the road. Our team can review your request and look for another funding partner that fits. Each funding partner explains its own underwriting decision and any programs it may offer.
Funding Requirements Checklist for US manufacturers
See exactly what underwriters actually look at for factoring, PO financing, equipment, working capital, ABL, and SBA before you fill out a single application.
- What documents you need for each program
- Typical time-to-fund by program
- Common disqualifiers worth knowing up front
- How Manufactor Finance is compensated — $0 fees to you
Questions before you apply?
Send a request. Our team reviews it, and if a funding partner thinks they can help, a specialist from that partner contacts you. No pressure and no obligation.
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.