Programs for New York, NY manufacturers

In New York, the usual first look is purchase order financing paired with invoice factoring, with an equipment line as the shop scales into the next contract. That mix tracks the local buyer base: national department stores, DTC retail platforms, hospitality groups, cosmetics majors typically pay on net-45 to net-90, which decides whether your cash gap sits in receivables, equipment, or supplier costs. We confirm the fit against your actual file before anything is quoted.

Match the program to where the cash is trapped. Delivered product you are waiting to be paid for points to factoring. A machine or production line that is the constraint points to equipment financing. A confirmed purchase order without the cash to buy materials points to PO financing. Many New York shops end up combining 2 programs, and part of our job is telling you which ones you do not need.

Directionally, PO financing typically funds in 2–4 weeks once supplier terms are confirmed; factoring on the resulting invoices sets up in 7–14 business days and then funds 24–48 hours per invoice after that. Anyone promising a specific date before seeing your file is guessing. The ranges on each program card are what the funding institutions actually deliver once underwriting has a complete file, and we keep the file moving at every step.

Every program is priced by the funding institution, not by us. Directionally: invoice factoring runs about ~1–3.5% per 30 days, equipment financing about ~7–18% APR. Ranges are directional, not quotes: your actual offer depends on your customers, credit, revenue, and industry, and you will see it in writing before you sign anything.

Nothing. There are no application, origination, or closing fees at any stage. Manufactor Finance is an independent business financing referral service, not a bank or lender: funding partners compensate us for our part only after you actually receive funds, and you always sign directly with the funding institution.