SBA & Term Loans · Precision Machining & Machine Shops
SBA & Term Loans for Precision Machining & Machine Shops shops
Bigger projects. Longer terms. We match precision machining & machine shops 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.
Why precision machining & machine shops shops choose sba & term loans
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.
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 precision machining & machine shops 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 referred to 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 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 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 precision machining & machine shops shops only
Other programs that fit precision machining & machine shops
Invoice Factoring for Precision Machining & Machine Shops
Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.
Explore Invoice Factoring for Precision Machining & Machine ShopsPurchase Order Financing for Precision Machining & Machine Shops
Get the capital to fulfill large customer orders without straining cash flow.
Explore Purchase Order Financing for Precision Machining & Machine ShopsEquipment Financing for Precision Machining & Machine Shops
Finance new or used machinery, CNC, robotics, and production lines.
Explore Equipment Financing for Precision Machining & Machine ShopsSBA & Term Loans for other manufacturing niches
Frequently Asked Questions
Yes — sba & term loans is one of the programs we most commonly place for precision machining & machine shops shops. Established manufacturers financing acquisitions, real estate, expansion, or refinancing higher-cost debt. Full mechanics: the SBA & Term Loans 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.
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.
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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