Manufacturing financing: the right program for how your shop runs.
Invoice factoring, equipment financing, PO financing, working capital, ABL, and SBA — compared side by side with real ranges. We place you with the right institution, not our own balance sheet.
Manufacturing financing, in 60 seconds
Manufacturing financing is not one product. It is a category of funding programs built around the cash-flow cycle of a manufacturing business: buying materials, producing goods, invoicing customers, and waiting to get paid. The most common programs are invoice factoring for net-term receivables, equipment financing for machinery, purchase order financing for confirmed orders, working capital for short gaps, asset-based lending for larger revolving needs, and SBA or term loans for long-horizon growth. The right fit depends on your customers, credit, revenue, and industry.
Manufactor Finance is an independent commercial finance broker. We do not lend, bank, or invest. We match manufacturers with funding partners and are compensated by those partners only after funds are received.
Which program fits your situation?
Match the business problem to the program, then compare the real ranges below.
If this sounds like you
I delivered work and am waiting 30 to 90 days to get paid.
Invoice Factoring: Sell unpaid B2B or B2G invoices for immediate cash. Approval leans on your customers' credit.
Explore Invoice FactoringIf this sounds like you
I need to buy or replace machinery, tooling, or a production line.
Equipment Financing: Finance up to 100% of the asset cost with fixed payments. New, used, and private-party equipment.
Explore Equipment FinancingIf this sounds like you
I have a confirmed PO but cannot self-fund materials or production.
Purchase Order Financing: The funder pays your suppliers directly; repayment comes from the end customer's payment.
Explore Purchase Order FinancingIf this sounds like you
I need to bridge payroll, materials, or a short cash gap.
Working Capital: Fast, short-term capital based on revenue and bank activity, not a long underwriting process.
Explore Working CapitalIf this sounds like you
I have a large AR ledger and inventory and want a scalable line.
Asset-Based Lending: A revolving line secured by receivables, inventory, and equipment. Lower cost for the right profile.
Explore Asset-Based LendingIf this sounds like you
I am buying real estate, acquiring, or refinancing for the long term.
SBA & Term Loans: The lowest cost of funds, but the longest timeline and most documentation.
Explore SBA & Term LoansHonest 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.
Real cost math, worked through
Two concrete examples so you can see how the numbers actually move. These are illustrations, not quotes.
Invoice factoring example
You invoice a creditworthy buyer for $100,000 on net-60 terms. A factor advances 90% and charges 2% per 30 days.
- Invoice amount$100,000
- Advance (90%)$90,000 in days
- Reserve held$10,000
- Fee at 60 days (2% × 2)$4,000
- Net reserve back to you$6,000
Your actual advance and fee depend on your customers' credit, invoice concentration, and volume.
Equipment financing example
You buy a $250,000 CNC machine. The lender finances 100% at 12% APR over 60 months.
- Equipment cost$250,000
- Financed amount$250,000
- Term60 months
- Approximate monthly payment$5,550
- Total interest (illustrative)~$83,000
Rate and term depend on credit, time in business, asset age, and whether the machine is new or used.
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.
The process from first call to funded
No 60-second miracle. Real timing, from quick app to funds in the account.
- 1
Start the conversation
Day 0A quick app or a phone call. Free, no obligation. Tell us the basics so we can start the placement process for you.
- 2
Placement
Day 0–1We identify the institution and program that actually fits your business, revenue profile, and timeline. This step is at no charge to you.
- 3
Secure application
Day 1–3We send a secure application tailored to your program. You submit the full application and documents to the institution for underwriting, and we help you package it clean.
- 4
Underwriting
Day 3–7The institution reviews your file. We stay in the loop and help move things along.
- 5
Offer(s)
Day 5–10You receive your offer, or in some cases multiple offers to compare side-by-side. If nothing fits, you owe nothing.
- 6
Sign
Day 7–12You sign your agreement directly with the funding institution.
- 7
Funds land
Day 8–14Money hits your account.
- 8
Back to work
OngoingFunds are in, and you keep building.
What can make a file hard to place
We would rather tell you upfront than waste your time. These issues do not always kill a file, but they often mean waiting until the situation is cleaned up.
- Consumer-facing sales with no commercial or government invoices to factor.
- Pre-revenue operations with no confirmed purchase order and no revenue history.
- Unresolved tax liens that would intercept funding before it reaches you.
- Recent bankruptcy still inside the lender's lookback window.
- Concentrated customer base where one buyer represents most of your revenue and that buyer's credit is weakening.
How this compares to alternatives
Manufacturers have more options than the programs we place. Here is how they stack up so you can decide whether to start with us, your bank, or both.
Bank line of credit
Best: Usually the lowest cost if you qualify.
Tradeoff: Tough approval for newer shops, often capped below growth needs, and can be called.
SBA 7(a) / 504
Best: Lowest long-term cost for real estate, equipment, and acquisitions.
Tradeoff: 45 to 120 days and heavy paperwork. Not for urgent gaps.
Equipment lease
Best: Keeps cash in the business and may offer tax advantages.
Tradeoff: You do not own the asset at term-end on a fair-market-value lease.
Merchant cash advance / revenue-based financing
Best: Fast and light on paperwork.
Tradeoff: Highest effective cost and daily/weekly repayment can strain cash flow.
Dive into each program
Every program page carries the same honest ranges, qualification detail, and FAQs.
Invoice Factoring
Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.
See detailsEquipment Financing
Finance new or used machinery, CNC, robotics, and production lines.
See detailsPurchase Order Financing
Get the capital to fulfill large customer orders without straining cash flow.
See detailsAsset-Based Lending (ABL)
Revolving lines secured by receivables, inventory, and equipment.
See detailsWorking Capital
Short-term capital to bridge payroll, materials, and growth spikes.
See detailsSBA & Term Loans
Longer-term, lower-cost capital for growth, real estate, or acquisitions.
See detailsManufacturing financing FAQs
Manufacturing financing is the set of funding programs built around how a manufacturing business actually moves cash. Instead of one generic loan, it usually means invoice factoring against unpaid B2B receivables, equipment financing for machinery, purchase order financing to fulfill a confirmed order, working capital for short gaps, asset-based lending for larger revolving needs, or SBA and term loans for long-horizon growth. The right program depends on your customers, terms, revenue, and what you are trying to fund.
Most manufacturers stack two programs. Invoice factoring covers the gap between delivering work and getting paid. Equipment financing buys the machine that lets them deliver more. PO financing funds a specific large order. Working capital bridges payroll or a materials buy. ABL and SBA come in once the shop has the revenue, collateral, or time horizon to qualify for larger, lower-cost facilities.
The baseline is a US-based manufacturer producing goods domestically, with B2B or B2G customers, $25K or more in monthly revenue or a confirmed purchase order that gets there, and net-15 to net-90 payment terms with customers. Factoring and PO financing lean on your customers' credit; equipment, working capital, ABL, and SBA lean more on your revenue, time in business, and collateral.
No. Manufactor Finance is an independent commercial finance broker. We match your file with the right funding institution, you sign directly with that institution, and we are compensated by the funding partner only after you actually receive funds. You never give up equity, and we never charge you application, origination, or closing fees.
Directional ranges by program: invoice factoring 3 to 10 days to first fund, working capital 2 to 7 business days, equipment financing 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. A complete, clean file is what keeps you at the fast end of any range.
No. Anyone promising a specific number before seeing your file is guessing. The ranges on this page are directional. Your actual advance rate, factor rate, APR, or fee is set by the funding institution during underwriting, after they review your customers, credit, revenue, industry, and use of funds.
Common disqualifiers include consumer-facing sales with no commercial invoices, pre-revenue operations with no confirmed PO, unresolved tax liens that would intercept funding, recent bankruptcies still inside the lookback window, and buyers with deteriorating credit. Some files are not ready today but are fixable in 30 to 90 days; we tell you exactly what to clean up before reapplying.
Not exactly. A business loan is one product inside the broader category. Manufacturing financing also includes factoring, which is the sale of receivables, not a loan; equipment financing, which is secured by the asset; PO financing, which is repaid from a specific order; and revolving lines backed by collateral. The category is defined by the use case, not the product shape.
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.
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