Is invoice factoring a good fit for metal fabrication?

Yes — invoice factoring is one of the programs we most commonly place for metal fabrication shops. Manufacturers with creditworthy commercial or government customers that pay on net-30, net-60, or net-90 terms.

How fast can a metal fabrication shop get funded?

It depends on the program. Factoring often funds within days of account setup; equipment and working capital usually run days to a couple of weeks; SBA and larger term loans take longer. We tell you the real timeline up front.

Do you charge metal fabrication manufacturers any fees?

No. We are a business consulting service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.

Do I have to give up equity?

No. Every program we place is non-dilutive. You keep 100% ownership of your shop.

Can I finance a used CNC or press brake?

Yes. Used equipment financing is common in metal fab. Age and condition of the machine affect the rate and term, but partners will finance both dealer purchases and private-party deals, including auction buys with an invoice.

How does factoring work for a job shop with lots of small POs?

Job shops actually fit factoring well. Even small invoices can be factored in batch — often 85–92% advance within a day of invoice submission. The line grows automatically as you invoice more; there's no fixed cap.

Do I need great personal credit to factor invoices?

Not usually. Factoring underwriting weighs the credit of the customers who owe you money much more heavily than your personal credit. Manufacturers with challenged credit are often still approved.

CNC machining center and welder in a US metal fabrication shop

Invoice Factoring · Metal Fabrication

Invoice Factoring for Metal Fabrication shops

Get paid now for work you've already delivered. We match metal fabrication manufacturers with the invoice factoring structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.

Start a Quick App Call (844) 623-1234

Why metal fabrication shops choose invoice factoring

You bought the steel in cash. You paid the welders on Friday. You cut, formed, welded, and shipped it. And now you're staring at a net-60 invoice from a GC or a Tier-1 that won't hit your account until August.

That's not a business problem — that's a working capital problem, and it has a clean fix. Factoring turns those invoices into cash within days. Equipment financing puts the next press brake, laser, or CNC on the floor without draining the checking account.

Invoice Factoring is one of the most direct ways to close that gap. Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.

What metal fabrication shops get

Cash within days instead of 30–90 days
Line grows with your sales—no fixed cap
Underwriting focuses on your customers' credit, not just yours
Frees up working capital for materials, payroll, and new orders

How it works

1You invoice your customer as usual after delivery.
2The factoring partner advances a large percentage of that invoice (often 80–95%) within days.
3Your customer pays the factor directly on their normal terms.
4You receive the remaining balance, less a small factoring fee.

Cash-flow realities we see in metal fabrication

Steel, aluminum, and stainless prices swinging quote-to-quote
GCs, OEMs, and Tier-1 suppliers on net-60 or net-90 terms
Capital-intensive CNC, laser, waterjet, and press brake purchases
Payroll for skilled welders, machinists, and programmers that can't slip
Progress-billed structural jobs where you're carrying the project

Get placed into invoice factoring

Tell us the basics. We'll confirm the fit and tell you exactly what this program requires before you fill anything long.

✓ No application, origination, or closing fees
✓ No equity given up
✓ US-based metal fabrication shops only

Quick app for metal fabrication

Takes about 30 seconds. We'll match you with the right funding partner — no obligation.

Your name

Company

Phone (optional)

Adding a phone triggers a second consent checkbox for SMS & AI-assisted calls.

What are you looking to do?

How much do you need?

How soon?

Anything else we should know? (optional)

Consent & disclosures (required — click to review)

Required — Contact & privacy consent. I give Manufactor Finance permission to contact me about my inquiry and, if it's a fit, to share my information with a vetted funding partner so they can help place my file. I've read and agree to the Privacy Policy and Terms of Use. See our Privacy Policy and Terms of Use.

No phone number provided — we'll reply by email only. Add a phone above if you'd also like a call or text.

Optional — Marketing updates. Send me occasional updates about funding programs and manufacturing resources. I can unsubscribe any time.

Manufactor Finance is a business consulting and referral service — not a bank, lender, private equity firm, or investor.

By sending, you confirm the required consent checkboxes above.

Other programs that fit metal fabrication

Equipment Financing for Metal Fabrication

Finance new or used machinery, CNC, robotics, and production lines.

Explore Equipment Financing for Metal Fabrication

Purchase Order Financing for Metal Fabrication

Get the capital to fulfill large customer orders without straining cash flow.

Explore Purchase Order Financing for Metal Fabrication

Invoice Factoring for other manufacturing niches

Invoice Factoring for Food & Beverage Manufacturing Invoice Factoring for Medical Device Manufacturing Invoice Factoring for Plastics & Injection Molding Invoice Factoring for Aerospace & Defense Manufacturing

Frequently Asked Questions

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.

Start the Conversation Call (844) 623-1234

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.