Is sba & term loans a good fit for industrial machinery & equipment?

Yes — sba & term loans is one of the programs we most commonly place for industrial machinery & equipment shops. Established manufacturers financing acquisitions, real estate, expansion, or refinancing higher-cost debt.

How fast can a industrial machinery & equipment 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 industrial machinery & equipment 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 machine builders factor milestone or progress invoices?

Yes. Progress and milestone invoices factor well when the billing terms are clearly documented in the PO or contract. Factors experienced in capital equipment expect milestone billing and structure advances around it.

How is retainage handled on capital equipment jobs?

Retainage — commonly 5–10% held until acceptance — is typically excluded from the factored advance and released once the customer pays. It's a normal structure and doesn't kill the deal.

How long does an SBA loan take?

SBA loans typically take 60–120 days from complete application to funding. We help you assemble a clean package up front to keep the timeline as short as possible.

US industrial machinery manufacturing plant with overhead cranes and heavy equipment on the floor

SBA & Term Loans · Industrial Machinery & Equipment

SBA & Term Loans for Industrial Machinery & Equipment shops

Bigger projects. Longer terms. We match industrial machinery & equipment manufacturers with the sba & term loans 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 industrial machinery & equipment shops choose sba & term loans

You quote a six- or nine-month build, take a deposit, and immediately start writing checks — steel, castings, servo motors, PLCs, hydraulics, machined parts from the vendor across town. Progress payments help, but they never quite line up with when your suppliers want to be paid.

Then the machine ships, runs FAT, and your customer still holds retainage for another 30–60 days after acceptance. Meanwhile the next unit is already on the floor and you're doing it all again.

SBA & Term Loans is one of the most direct ways to close that gap. Longer-term, lower-cost capital for growth, real estate, or acquisitions.

What industrial machinery & equipment shops get

Longer amortization (up to 10–25 years for real estate)
Competitive rates for qualified borrowers
Preserves cash for operations

How it works

1We help you pre-qualify and prepare a clean loan package.
2The package is placed with SBA-preferred or conventional lenders that fit your profile.
3Underwriting closes with a full doc set.
4Funds are disbursed per use of proceeds.

Cash-flow realities we see in industrial machinery & equipment

Long build cycles between deposit and final payment
Milestone and progress billing that lags supplier terms
Retainage held 30–60+ days after acceptance and FAT
Large sub-assembly and long-lead component POs (motors, drives, castings, controls)
Own-shop capex — CNC, waterjet, welding, paint booth — to keep up with backlog

Get placed into sba & term loans

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 industrial machinery & equipment shops only

Quick app for industrial machinery & equipment

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

Your name

Company

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How much do you need?

How soon?

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Consent & disclosures (required — click to review)

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Other programs that fit industrial machinery & equipment

Invoice Factoring for Industrial Machinery & Equipment

Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.

Explore Invoice Factoring for Industrial Machinery & Equipment

Purchase Order Financing for Industrial Machinery & Equipment

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

Explore Purchase Order Financing for Industrial Machinery & Equipment

Equipment Financing for Industrial Machinery & Equipment

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

Explore Equipment Financing for Industrial Machinery & Equipment

SBA & Term Loans for other manufacturing niches

SBA & Term Loans for Food & Beverage Manufacturing SBA & Term Loans for Medical Device Manufacturing SBA & Term Loans for Metal Fabrication SBA & Term Loans for Plastics & Injection Molding

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.