Manufacturing business loans and funding programs
6 ways US manufacturers fund cash flow, equipment, and growth. We lead with invoice factoring and place you into whatever program fits your shop. Every option keeps you 100% owner of your business.
Invoice Factoring
Explore turning unpaid invoices into working capital instead of waiting on net-60 or net-90.
Best for: Manufacturers with creditworthy commercial or government customers that pay on net-30, net-60, or net-90 terms.
Explore Invoice FactoringEquipment Financing
Finance new or used machinery, CNC, robotics, and production lines.
Best for: Manufacturers buying or replacing machinery, tooling, automation, or vehicles used in production.
Explore Equipment FinancingPurchase Order Financing
Get the capital to fulfill large customer orders without straining cash flow.
Best for: Manufacturers who have a confirmed purchase order from a creditworthy buyer but need capital to buy materials or pay suppliers.
Explore Purchase Order FinancingAsset-Based Lending (ABL)
Revolving lines secured by receivables, inventory, and equipment.
Best for: Established manufacturers with meaningful receivables, inventory, and/or equipment who want a flexible revolving line.
Explore Asset-Based Lending (ABL)Working Capital
Short-term capital to bridge payroll, materials, and growth spikes.
Best for: Manufacturers who need fast, flexible short-term capital to smooth cash flow or fund a specific opportunity.
Explore Working CapitalSBA & Term Loans
Longer-term, lower-cost capital for growth, real estate, or acquisitions.
Best for: Established manufacturers financing acquisitions, real estate, expansion, or refinancing higher-cost debt.
Explore SBA & Term LoansBrowse another way
By industry
Program fit decided at the shop level, across 36 manufacturing verticals.
By city or state
Local referral context for every US manufacturing metro we serve.
Explore the coverage mapPrograms and eligibility — FAQs
It depends on what is squeezing cash. Unpaid invoices on net terms may point to invoice factoring. A machine purchase may point to equipment financing. A confirmed order you cannot afford to produce may point to PO financing. This is general information, not a recommendation. Our team reviews your request and looks for a funding partner that fits, at no charge. That partner presents any specific program and terms.
The baseline is a US-based manufacturer producing goods domestically, with B2B or B2G customers, at least $25K in monthly revenue or a confirmed purchase order that gets there, and net-15 to net-90 payment terms with your customers. Final approval always rests with the funding institution during underwriting.
No. Manufactor Finance is an independent business financing referral service for US manufacturers. Our team reviews your request and looks for a funding partner that fits. You sign directly with that institution, and we never ask you to give up equity.
Nothing out of pocket. We charge no application, origination, or closing fees to you. Our funding partners compensate us only after you actually receive your funds. The cost of the funding itself, such as a factor rate or APR, is set by the institution during underwriting.
Directional ranges by program: invoice factoring 3 to 10 days, 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 file is what keeps you at the fast end of any range.
No. Every program we refer is non-dilutive. You keep 100% ownership of your business.
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.
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