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.
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 referred for 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
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 FabricationPurchase Order Financing for Metal Fabrication
Get the capital to fulfill large customer orders without straining cash flow.
Explore Purchase Order Financing for Metal FabricationFrequently Asked Questions
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. Full mechanics: the Invoice Factoring program page. Sector overview: Metal Fabrication.
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.
No. We are an independent business financing referral service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.
No. Every program we refer is non-dilutive. You keep 100% ownership of your shop.
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.
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.
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.
- Underwriting focuses on your customers' credit and payment history, not yours.
- Challenged personal credit, thin files, and past bankruptcies can still qualify.
- You need B2B or B2G invoices on net-15 to net-90 terms.
- Baseline volume is about $25K or more in monthly revenue.
- Not sure your file clears it? Score your readiness first.
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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