Invoice Factoring · Precision Machining & Machine Shops
Invoice Factoring for Precision Machining & Machine Shops shops
Get paid now for work you've already delivered. We match precision machining & machine shops 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 precision machining & machine shops shops choose invoice factoring
You're running CNC mills, lathes, Swiss turns, and grinders against OEM and tier-supplier POs. You buy bar stock, tooling, and inserts on your dime, run the parts, and ship to customers — aerospace, medical, automotive, defense — who pay 45, 60, sometimes 90 days later.
It's a job-shop cash cycle: every new PO is a material buy and a tooling spend before the first chip flies, and your biggest customers are often the slowest payers. One aerospace or medical prime can dominate your book for a quarter.
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 precision machining & machine shops 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 precision machining & machine shops
- OEM and tier-supplier customers on net-30 to net-90 terms
- Bar stock, tooling, and insert pre-buys for every new job
- Customer concentration in one aerospace, medical, or automotive prime
- Long-cycle jobs with milestone billing and retainage
- Equipment capex for mills, lathes, grinders, and machining centers
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 precision machining & machine shops shops only
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Frequently Asked Questions
Yes — invoice factoring is one of the programs we most commonly place for precision machining & machine shops 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: Precision Machining & Machine Shops.
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. Advance rates depend on your customer's credit, not your shop size. A 10-spindle job shop invoicing a tier supplier or prime typically factors as cleanly as a large machining center.
Yes. Primes on net-60 to net-90 are common factoring customers — the factor underwrites the prime's credit and structures the advance around their payment cycle.
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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